ZIP Code 38109

ZIP code 38109 is classified by USPS as a standard delivery area and covers roughly 174.3 square miles in Memphis, Shelby County, Tennessee. The area is home to 46,594 residents, producing a population density of 267 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 38109 against Tennessee and the nation.

On the economic side, the median household income for ZIP 38109 sits at $37,496 (44% below the Tennessee average), while per-capita income is $21,923. The poverty rate stands at 32.1% and the unemployment rate at 15.5%. On housing, the median home value is $80,400 (68% below the state average) with median rent at $1,040 per month, and 55.7% of occupied units are owner-occupied, a direct signal of whether 38109 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 14.2% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 24 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Shelby County, so you can benchmark 38109 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →