Shelby County · Tennessee
ZIP code 38109
- Population
- 43,764
- Median income
- $36,934
- Median home
- $76,600
- Sales tax
- 7%
ZCTA residents
Household, past 12 months
Owner-occupied value
Tennessee state rate
Quick answer
ZIP 38109 sits in Shelby County, Tennessee and is home to 43,764 people. Median household income is $36,934, the median home is worth $76,600 and median gross rent is $1,000. 54.4% of households own their home, and purchases are taxed at 7% (Tennessee state rate).
- County
- Shelby County
- State
- Tennessee (TN)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 47157
638 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 38109
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 43,764ZIP 38109 residents
- Median household income
- $36,934Past 12 months, inflation adjusted
- Median home value
- $76,600Owner-occupied units
- Median gross rent
- $1,000Rent plus utilities, monthly
- Median age
- 38.5 yrsAll residents
- Homeownership rate
- 54.4%Owner-occupied households
Sales tax in 38109
What a purchase inside this ZIP costs at checkout.
Tennessee levies 7% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 38109 compares
ZIP 38109 against the median ZIP in Shelby County and across Tennessee.
| Measure | ZIP 38109 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $36,934 | $57,500 | $59,143 | -38% |
| Median home value | $76,600 | $189,750 | $195,100 | -61% |
| Median gross rent | $1,000 | $1,138 | $885 | +13% |
| Population | 43,764 | 23,347 | 4,324 | +912% |
Medians are computed across the 38 ZIP areas in Shelby County and the 638 ZIP areas in Tennessee.
Statewide rank
Where this ZIP places among all 638 Tennessee ZIP areas.
- Income
- #561
- Home value
- #584
- Population
- #26
richer than 6% of 596 state ZIPs
above 1% of 589 state ZIPs
larger than 96% of 638 state ZIPs
Comparable ZIP codes
Tennessee ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Shelby County.
ZIP 38109 questions
Common questions about this ZIP code.
- Where is ZIP code 38109?
- ZIP 38109 lies mostly in Shelby County, Tennessee. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 38109?
- Tennessee charges 7% statewide, plus any county, city or district rate that applies locally.
- Is 38109 expensive to live in?
- Median rent runs $1,000 a month, about 32% of median household income, and the median home is worth $76,600 — -61% against the typical Tennessee ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Tennessee Department of Revenue — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.