931 Area Code Local Phone Numbers to Build Customer Trust
March 16, 2026

931 Area Code: Get a Local Phone Number for Tennessee

Share this post
Explore AI Summary

The 931 area code covers the sprawling and industrious landscape of Central Tennessee, surrounding the Nashville metro area. It is an essential choice for businesses seeking a credible presence in a region known for its strong military ties, manufacturing prowess, and historic agricultural roots.

Getting a 931 number helps companies build instant hometown trust, improve response rates, and connect effectively with customers across key cities like Clarksville, Cookeville, and Columbia.

Unlike the 615 area code, which is centered on the Nashville urban core, the 931 area code serves as the primary identifier for the diverse ring of counties that drive the state's regional economy. It offers a unified identity for businesses operating within the critical logistics and industrial corridors of Middle Tennessee.

What is 931 Area Code?

The 931 area code is a telephone area code in the North American Numbering Plan serving most of Central Tennessee. It encompasses the geographic "donut" around Nashville, excluding the immediate metropolitan area.

It includes significant regional hubs such as Clarksville (home to Fort Campbell), Cookeville, and Columbia. The 931 area code was created in 1997 when it was split from the 615 area code to accommodate the rapid population growth and telecommunications demand in Tennessee’s expanding mid-state region.

  • State: Tennessee
  • Major Cities/Areas: Clarksville, Cookeville, Columbia, Shelbyville, Crossville
  • Time Zone: Central Time Zone (CT)
  • Established: 1997
  • Overlay Area Code: None
  • Primary Uses: Residential lines, neighborhood businesses, major academic institutions, healthcare facilities, and local mobile numbers.

Regions Covered by 931 Area Code

The 931 area code encompasses a vast portion of Middle Tennessee, stretching from the Kentucky border in the north to the Alabama border in the south. It serves as a vital identifier for industrial centers, agricultural communities, and major military installations.

Here is a comprehensive breakdown of the major counties and cities covered by the 931 area code:

Montgomery County
  • Clarksville
  • Palmyra
  • Woodlawn
  • Cunningham
Putnam County
  • Cookeville
  • Baxter
  • Algood
  • Monterey
Maury County
  • Columbia
  • Spring Hill (partial)
  • Mount Pleasant
Coffee County
  • Manchester
  • Tullahoma (partial)
Cumberland County
  • Crossville
  • Lake Tansi
  • Fairfield Glade
Bedford County
  • Shelbyville
  • Wartrace
  • Bell Buckle
Lawrence County
  • Lawrenceburg
  • Ethridge
  • Loretto
Franklin County
  • Winchester
  • Estill Springs
  • Decherd
  • Sewanee
Warren County
  • McMinnville
  • Morrison
Lincoln County
  • Fayetteville
  • Park City
Marshall County
  • Lewisburg
  • Cornersville
  • Chapel Hill
Giles County
  • Pulaski
  • Ardmore
White County
  • Sparta
Hickman County
  • Centerville
Overton County
  • Livingston
Humphreys County
  • Waverly
  • McEwen
  • New Johnsonville
Fentress County
  • Jamestown
Wayne County
  • Waynesboro
  • Clifton
Grundy County
  • Tracy City
  • Gruetli-Laager
Stewart County
  • Dover
Lewis County
  • Hohenwald
Jackson County
  • Gainesboro
Houston County
  • Erin
  • Tennessee Ridge
Perry County
  • Linden
  • Lobelville
Clay County
  • Celina
Moore County
  • Lynchburg (Home of Jack Daniel's)
Pickett County
  • Byrdstown
Van Buren County
  • Spencer
Bledsoe County
  • Pikeville

Population & Demographics of 931 Area Code

The 931 area code serves a rapidly growing Tennessee region anchored by Montgomery County and the city of Clarksville. Clarksville is a primary population center in this numbering plan area, with a 2026 projected population of 188,400 and is currently experiencing an annual population growth of 2.18 percent.

The local economy of the region is characterized by a strong military influence and industrial diversity. In Clarksville, the median household income is $61,048, and the poverty rate stands at 12.44 percent.

Demographically, the population of Clarksville is distinctly composed:

  • White residents make up 60.31%
  • Black or African American residents make up 23.49%
  • Two or more races residents make up 10.51%
  • Other race residents make up 2.97%
  • Asian residents make up 2.43%

931 Area Code Time Zone

The 931 area code is located entirely within the Central Time Zone. This means that during standard time the time zone is Central Standard Time (CST), which is UTC-6. During daylight saving time the time zone is Central Daylight Time (CDT), which is UTC-5.

This time zone serves all communities from the Cumberland Plateau to the Tennessee River, ensuring that local businesses remain synchronized with the major logistics and commercial hubs of the South.

Business Importance of 931 Area Code

The 931 area code adds local trust and credibility, making it valuable for local businesses. Here’s how a business number with the 931 area code is important for your business:

Why Local Numbers Build Trust

When customers see a local 931 area code number, they immediately recognize it as part of their community. This familiarity creates trust and reduces hesitation to answer calls. Research shows that consumers are more likely to pick up calls from numbers with local area codes compared to unfamiliar or out-of-state numbers.

For small businesses, using a local area code 931 number shows commitment to serving the community. For larger enterprises, it signals accessibility and helps build stronger relationships with regional customers.

Enterprise Businesses That Benefit From a Local 931 Number

Some well-known enterprises that would benefit from a local 931 number include:

Finance & Banking

  • F&M Bank: Headquartered in Clarksville, it is one of the leading independent community banks in the 931 area.
  • First National Bank of Middle Tennessee: Based in McMinnville, providing essential banking services across the regional ring.
  • Legends Bank: A prominent local bank serving the Montgomery and Maury County communities.
  • U.S. Bank: Maintains an extensive branch network in Clarksville and Columbia to support the region's diverse economic base.

Insurance

  • Farm Bureau Insurance of Tennessee: Maintains local offices in every 931 county, including major agencies in Clarksville and Cookeville.
  • Shelter Insurance: A major regional provider with a strong presence in the Cookeville and Crossville markets.
  • Fields Insurance: A key independent agency based in Cookeville, serving the Upper Cumberland region.

Health & Hospitals

  • Vanderbilt Clarksville Hospital: A major regional medical center serving Montgomery County and the surrounding areas.
  • Cookeville Regional Medical Center: A premier 247-bed facility that serves as the healthcare hub for the 14-county Upper Cumberland region.
  • Maury Regional Health: Based in Columbia, it is the largest health system between Nashville and Huntsville.
  • Cumberland Medical Center: A critical provider of acute care services for the Crossville area.

Education

  • Austin Peay State University: Located in Clarksville, a major public university and economic driver for Northern 931.
  • Tennessee Technological University: Based in Cookeville, known as the state's flagship technological university.
  • The University of the South (Sewanee): A world-renowned private liberal arts college located in Franklin County.
  • Motlow State Community College: Serves an 11-county area with its original campus in Moore County.

Logistics & Manufacturing

  • Big G Express: Headquartered in Shelbyville, a major asset-based truckload carrier and logistics provider.
  • Spartan Logistics: Operates significant 3PL warehousing and distribution centers in Clarksville.
  • Nissan North America: Operates a massive engine plant in Decherd, powering the automotive supply chain in the 931 area.

How to Get a 931 Area Code Number?

Setting up your 931 area code number with Goodcall is quick and straightforward. Here’s how it works:

  1. Sign Up: Create your account with Goodcall using basic business details.
  2. Select Your Plan: Choose the pricing plan that best matches your company’s needs.
  3. Complete KYC: Verify your identity and business information for compliance.
  4. Pick a Number: Browse the available 931 numbers and select the one you want.
  5. Customize Agent: Set up your AI-powered answering agent with greetings, call routing, and voicemail preferences.
  6. Go Live: Activate your number and start receiving calls immediately.

Benefits of Using Goodcall for 931 Area Code

Choosing Goodcall means more than just getting a local number; it means equipping your business with tools to handle calls efficiently.

  • 24/7 Availability: Ensure no customer call is missed.
  • AI Answering Services: Professional, automated responses for smoother communication.
  • Cost-Effective: Flexible pricing designed for small to enterprise-level businesses.
  • Scalable Solutions: Upgrade features as your business grows.
  • Local Credibility: Build customer trust with a recognizable area code.

With these advantages, Goodcall makes it easier for you to manage calls and focus on growing your business.

Pricing Plans for Local Numbers

Our local 931 area code numbers come with affordable pricing plans designed to fit every business size. We offer flexible pricing options that scale with your needs, whether you’re a startup or an established enterprise. Additionally, you can save 30% on annual subscriptions, giving your business more value at a lower cost.

Nearby Area Codes to 931

Areas Area Code
Nashville, Hendersonville, Lebanon, Gallatin, and Franklin 615, 629
Chattanooga, Johnson City, Kingsport, Bristol, Cleveland 423
Knoxville, Oak Ridge, Maryville, Sevierville, Alcoa 865
Jackson, Dyersburg, Union City, Martin, Brownsville, Paris 731
Huntsville, Decatur, Florence, Gadsden, Anniston 256, 938

FAQs

What is the 931 area code, and where is it located?

The 931 area code serves the donut of Central Tennessee surrounding Nashville, covering cities like Clarksville, Columbia, and Cookeville.

What cities does the 931 area code cover?

Area code 931 covers a large portion of Middle Tennessee, excluding the immediate Nashville metropolitan area. Major cities served include Clarksville, Columbia, Cookeville, Tullahoma, Shelbyville, and Crossville. 

What time zone is area code 931 in?

The 931 area code is in the Central Time Zone (CT).

Does the 931 area code get spam calls?

Like any area code, spam and robocalls do occur, but using a trusted business provider like Goodcall helps filter unwanted calls.

Which types of businesses benefit most from a local 931 number?

Local service providers, tech companies, restaurants, real estate agents, and startups benefit from a 931 number, as it boosts local trust and visibility.

How can I get a local 931 area code number for my business?

You can get a 931 number easily by signing up with Goodcall, choosing your plan, and selecting your preferred local number.

Can I forward calls from my 931 number elsewhere?

Yes. With Goodcall, you can forward calls to any phone, ensuring you never miss a customer inquiry.

How much does it cost to get a 931 area code number?

Goodcall plans are affordable and flexible, at $66 per month per agent annually.

Is the 931 area code toll-free?

No, 931 is not a toll-free area code. It’s a geographic code for Tennessee, designed to give businesses a trusted local identity. Toll-free numbers in the US typically begin with prefixes such as 800, 888, 877, or 855.

Last updated:
March 16, 2026

Why A Local AI Phone Number

A local AI phone number links your AI agent to real-world calls.

📞 Your agent answers calls 24-7 / 365 and is never busy
📈 Understand your callers with detailed analysis
🎙 Capture the detail in every call, they're all recorded
🌐 Forward calls or connect to Google Voice
✋🏻 Places callers on hold when your line is busy
🚫 Say goodbye to spam calls

An AI Phone Service With Smart AI Agents


Use skills to teach your agent how to respond to common caller questions.

🎓 Teach your agent anything with your own custom skills
✅ Off the shelf skill templates ready to go in a few clicks
🚀 Combine skills to create deeper customer engagement
👋🏼 Optimize customer experience with custom greetings
💰 Grow revenue by texting your website (ie: bookings & shop)

AI Agent which is automatically answering the phone to serve your customers.