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Cowan-from-front-tn1
Tennessee›Franklin County
Photo: Brian Stansberry · CC BY 3.0
Photo of Cowan

Cowan, TN · Photo: Brian Stansberry · CC BY 3.0 · Source ↗

Is Cowan a good place to live?

The best of Cowan’s subject grades is an A− for cost of living; the weakest is a D for health. 31% of residents live below the poverty line in Cowan, above both Tennessee’s towns (14%) and U.S. towns (9.6%). On incomes, just 26 of Tennessee’s 291 towns do worse. Most errands need a car: it is less walkable than 69% of U.S. towns. Cumberland Mountain Tunnel and Cowan Depot is on the National Register of Historic Places. Cowan has fewer than 2,500 residents, so it gets subject grades but no overall grade.

What makes Cowan stand out

Where Cowan beats most towns, and one thing worth knowing.

A commuter town

99% of working residents leave Cowan for work

Where Cowan’s working residents go each day. Line width shows the share.

26% → Winchester Winchester 26% 7% → Tullahoma Tullahoma 7% 7% → Smyrna Smyrna 7% 6% → Nashville Nashville 6% 4% → Murfreesboro Murfreesboro 4% 3% → Decherd Decherd 3% Cowan · 1% stay
115jobs based in Cowan
1%of working residents work in town
20 mimedian commute distance

Census LEHD 2023

How Cowan grades

Each subject compared with towns across the country (schools within Tennessee), ordered by how far Cowan is from typical.

How grading works

Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.

How TownRatings grades towns →

Cowan Depot
Cowan Depot · National Register of Historic Places
Cowan’s story

218 years in pictures

Census counts: 222 in 1880, 1,759 in 2020. The archive holds 16 old photos and papers going back to 1904 and 3 maps from 1936 on.

1 place on the National Register of Historic Places.

  • 1808Cowan is settled
Explore the history →
Getting set up

Moving to Cowan: who provides what

Who provides power, water and the rest in Cowan, and how to reach them.

The full setup list →
PowerDuck River Elec Member13.6¢/kWh · EIA 2025HIFLD · EIA
WaterCowan B.p.u. water systemNo health-based violations in 5 years · EPAEPA
Internet5 providers100% of addresses get 100/20 MbpsFCC
Trash & dumpBy addressDay by addressTown site
SchoolsFranklin County School DistrictWhich school depends on your addressNCES
Register to voteOnlineIn Tennessee you can register online until 30 days before Election Day, in person until 30 days before Election Day, or by mail (postmarked 30 days before).vote.gov
Who runs elections hereFranklin County Election CommissionFranklin County; contacts on the Handbook page.FVAP, Sep 2025
ZIP codes37318, 3739837318 99% · 37398 1%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.

The data

Ordered by what stands out in Cowan.

HealthD

Cowan is less healthy than 95% of U.S. towns

Cowan beats the Tennessee average on 0 of 31 CDC measures and trails it on 16. 23% of Cowan adults smoke cigarettes, above both the Tennessee town median (19%) and the median of U.S. towns (14%). 18% of Cowan adults report frequent physical distress.

5%healthier than U.S. townsDHealth Grade
CowanTennessee townsU.S. towns
Smoke cigarettes (CDC PLACES)23%19%14%
Frequent physical distress (CDC PLACES)18%16%14%
Diabetes (CDC PLACES)17%14%12%
High blood pressure (CDC PLACES)45%41%35%
31 measures vs. Tennessee
0 better15 too close to call16 worse
What stands outCowanTN
More adults with COPD12.3%8.6%
More older adults who have lost all their teeth19.9%14.6%
More adults who have had a stroke4.9%3.7%
Southern Tennessee Regional Health System Winchest
4.4 mi away · emergency room
2 of 3
care shortages: primary care, dental

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

SchoolsC−

On state tests, Cowan’s schools trail 81% of Tennessee districts

Its public schools are run by the Franklin County school district. One of its 2 schools is below, with why it’s listed.

19%of TN districts it outscoresC−School Grade
SchoolLevelStudentsLetter
South Middle SchoolLargest public middle schoolGrades 6–8Grades 6–8361C−

NCES · EDFacts · graded within TN on state tests and graduation

HousingCost of living grade A−

The typical home in Cowan is valued at about $187K

The typical Cowan home is worth about $187,000, about the same as a year ago, 43% below the Tennessee typical home. The median rent in Cowan is $787 a month.

$187KZillow home value
CowanTennessee townsU.S. towns
Households that own their home60%66%73%
Median rent$787 a month$947 a month$1,185 a month

Typical home value

Cowan$187K
Tennessee$331K
+0.2%
value change, 1 year
1
homes sold in May

Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center

Work & commuteJobs & income grade D

Cowan has 0.2 jobs for every working resident, so most commute out

Most working residents leave Cowan for work: only 1% work in town. Since 2013, Cowan has lost 37 jobs, to 115 in 2023. Cowan’s median household income is $46,000.

1%work in town
CowanTennessee townsU.S. towns
Working residents who work in town1.2%12%8%
Median household income$46,000$61,000$80,000
Average trip to work28 minutes25 minutes25 minutes

Where working residents work

In Cowan1%
Winchester26%
Tullahoma7%
Smyrna7%
Nashville6%
20 mi
median commute distance
115
jobs based in Cowan
A commuter town
jobs vs. working residents
C
Walkability grade: more walkable than 31% of U.S. towns

Census LEHD 2023 · ACS

Climate

In Cowan, expect mild winters and hot summers

Cowan has mild winters and warm summers, with plenty of rain. July afternoons reach 88°, January nights drop to 29° and about 4 inches of snow falls in a winter.

4″snow a winter

Typical low → high °F

Winter31–52°
Spring46–71°
Summer65–87°
Fall48–72°
Oct 29
typical first frost
Apr 6
typical last frost
+0.7°
vs. the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

Natural hazardsHazard risk grade C

Inland flooding leads a high hazard risk in Cowan

Expected storm and flood damage is higher than in 64% of U.S. communities. Since 1993, 4 flood insurance claims have been paid out in Cowan.

64risk score of 100
FEMA risk score
64High riskLowerHigher
Inland floodingCold wavesTornadoes
4
paid flood claims since 1993

FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA

Safety

Crime reported in Cowan

Cowan's reported crime rate is well below Tennessee's. 7 violent crimes were reported in 2023.

CowanTennessee townsU.S. towns
Violent crimes per 1,000 (2023)3.9 per 1,000 residents3.31.8
Property crimes per 1,000 (2023)8.4 per 1,000 residents16.313.1

Violent crime per 1,000 residents

Cowan3.9
Tennessee6.5
U.S.3.9

Property crime per 1,000 residents

Cowan8.4
Tennessee24
U.S.19.5
7
violent crimes reported in 2023
15
property crimes reported in 2023

FBI crime data, 2023 · crimes reported to police

OutdoorsC+

2.1% of Cowan is conserved land

0.9 miles of trail in 1 park or preserve. The biggest park or preserve is Cowan Marsh Public Hunting Area, at 28 acres.

2.1%conserved
CowanTennessee townsU.S. towns
Conserved land2.1%1.8%4.3%
Miles of trail per square mile0.4 miles per square mile0.20.4
2.1%
conserved · 29 of 1,345 acres
0.9 mi
of trails · 0.4 per sq mi
Biggest places to walkTrailsAcres
1. Cowan Marsh Public Hunting Area—28

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Keep exploring

Everything we know about Cowan

20pages on Cowan
After high school

Colleges nearby

1 within 15 miles of the center of Cowan

About Cowan

City in Tennessee, United States

Official town website ↗

Cowan is a city in Franklin County, Tennessee, United States. As of the 2020 census, Cowan had a population of 1,759. It is part of the Tullahoma, Tennessee Micropolitan Statistical Area.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Established
1808
Area
2.1 sq mi
Elevation
974 ft
ZIP code
37318
Area code
931

Cowan’s neighbors

One town shares a border with Cowan.

Explore the map →
How the neighbors grade
TownTN rankOverallCostSafetySchoolsHealth
Cowan——A−—C−D
Winchester#154DB+C−C−C−

Cowan has fewer than 2,500 residents, so it gets subject grades but no overall grade. Cowan reports no FBI crime data of its own. Compare Cowan with a neighbor →

Questions about Cowan

Short answers, built from the data on this page.

Is Cowan, TN expensive?

Not for the area. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades A−.

What is Cowan, TN known for?

2 notable people were born here, including Jauan Jennings and Ray Bonner.