Residential delivery area · Tennessee
ZIP Code 38109: Memphis, TN
ZIP code 38109 is in Memphis, Tennessee, entirely in Shelby County (Census 2020 ZIP-county file). About 42,000 people live there (Census Bureau, ACS 2020-2024), the 3rd most populous of Memphis's 29 residential ZIP codes. Median household income is $37,496 (Census Bureau, ACS 2020-2024). By Census place, 74% of its land lies in Memphis; 26% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Memphis · 29 residential ZIPs
- County
- Shelby County
- Census places
- Memphis
- Neighborhood
- New South Memphis GeoNames
- Metro area
- Memphis, TN-MS-AR
- House district
- TN-9 119th Congress
- State
- Tennessee
- Time zone
- Central
- Land area
- 59.7 sq mi · 711 people per sq mi
- PO Box ZIPs
- 32 more ZIP codes use the name Memphis for PO boxes or single organizations
Where is ZIP code 38109?
38109 centers on 35.038°, -90.154° and covers 59.7 square miles of land plus 2.1 of water. It borders 8 ZIP codes: 38113, 38680, 72301, 38106, 38116, 38641, 72376, 38671.
The map draws ZIP code areas only. For the streets inside 38109, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 38109 compare with the rest of Memphis?
| Measure | 38109 | In Memphis | In Shelby County | In TN |
|---|---|---|---|---|
| People (ACS 2020-2024) | 42,452 | 3rd of 29 | 6th of 41 | 29th of 636 |
| Median household income | $38k | 18th of 23 | 28th of 33 | 413th of 425 |
| Median home value | $80k | 22nd of 24 | 32nd of 34 | 434th of 436 |
Its median household income is higher than in 5% of U.S. residential ZIP codes, and it is denser than 75% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 38109?
The 2020 Census counted 42,437 people in 38109; the ACS, which samples households over 2020-2024, estimates 42,452. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 42,452
- 2020 Census count
- 42,437
- Households
- 16,616
- Median age
- 38.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 38109?
Of the 42,452 people the ACS estimates in 38109, 24.7% are under 18 and 18.9% are 65 or older. The largest group by race and Hispanic origin is Black (not Hispanic) (94.9%).
- Under 1824.7%
- 18 to 6456.3%
- 65 and older18.9%
- Black, not Hispanic94.9%
- Other or two or more2.5%
- White, not Hispanic1.8%
- Hispanic or Latino0.8%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 38109 earn?
Median household income is $37,496 (ACS 2020-2024), the 28th highest of the 33 ranked ZIP codes in Shelby County.
- Median household income
- $37,496±$4,630
- Income per person
- $21,923
- Below the poverty line
- 32.1%
- Unemployed (of the labor force)
- 15.5%
- Adults 25+ with a bachelor's degree
- 14.2%
- Adjusted gross income per tax return, 2022
- $32,68319,710 returns; wages 85% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 38109?
FHFA's house price index for 38109, built from repeat sales and appraisals of the same homes, rose 122% from 2015 to 2025 and rose 73% from 2020 to 2025, and moved +2.5% in 2025.
- Median home value (owners' estimate)
- $80,400
- Median gross rent
- $1,040
- Homes owned by their occupants
- 55.7%
- Housing units
- 18,865
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 38109?
312 business establishments had a location in this ZIP code in 2023, 18 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade63
- Transportation and warehousing45
- Health care and social assistance31
- Other services (except public administration)31
- Wholesale trade27
- Manufacturing25
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 38109?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 38113 | Memphis | 0 | – | 4.6 mi |
| 38680 | Walls, MS | 6,839 | $60k | 5.6 mi |
| 72301 | West Memphis, AR | 23,959 | $43k | 6.8 mi |
| 38106 | Memphis | 20,962 | $30k | 7.9 mi |
| 38116 | Memphis | 40,061 | $42k | 8.2 mi |
| 38641 | Lake Cormorant, MS | 2,450 | $96k | 8.8 mi |
| 72376 | Proctor, AR | 1,463 | $50k | 9.4 mi |
| 38671 | Southaven, MS | 37,319 | $62k | 10.1 mi |
| 38637 | Horn Lake, MS | 26,647 | $53k | 8.5 mi (near) |
| 38126 | Memphis | 5,946 | $30k | 8.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.