38139 ZIP Code — Germantown, TN

Shelby County, Tennessee

ZIP code 38139 is located in Germantown, Tennessee, within Shelby County. It covers approximately 8.70 square miles and serves a population of 16,627 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 901.

About ZIP code 38139

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $495,000. Owner-occupancy is high at 97%, well above the national average.

The gap between median ($174,396) and mean household income suggests income inequality — a small number of higher earners pull the average up. 30% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is high — 72% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 38139 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

16,627

population

8.70

sq mi land

Standard

ZIP type

Central (CT)

timezone

38139 ZIP code map

Cities in ZIP code 38139

Below are the cities the US Postal Service accepts for ZIP code 38139. Using any city not on this list may result in mail delivery delays.

City	Status
Germantown	Acceptable
Germantown	Preferred

Nearby ZIP codes

38138 Germantown (1.8 mi) 38138 Germantown (1.8 mi) 38138 Germantown (1.8 mi) 38138 Germantown (1.8 mi) 38125 Memphis (3.7 mi) 38125 Memphis (3.7 mi) 38018 Cordova (3.9 mi) 38018 Cordova (3.9 mi) 38119 Memphis (4.8 mi) 38119 Memphis (4.8 mi) 38120 Memphis (5.5 mi) 38120 Memphis (5.5 mi)

Demographics updated 06/2026

Population
Total population	16,627
Population density	1,911 / sq mi
State FIPS	47
County FIPS	157

Geography
Land area	8.70 sq mi
Water area	0.06 sq mi
Latitude	35.0811
Longitude	-89.7602
Timezone	Central (CT)
Area code	901

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	9.2%	48.0%	45.7%
$50k – $100k	19.1%	27.7%	30.9%
$100k – $200k	37.5%	17.7%	18.3%
Over $200k	34.2%	6.5%	5.1%

Demographics & statistics

16,627

Population

1,911

People per sq mi

44.8

Median age

$174,396

Median household income

$84,587

Per capita income

$495,000

Median home value

$2,042

Median monthly rent

97.1%

Home ownership

0.8%

Poverty rate

2.9%

Unemployment

5,781

Housing units

72.1%

Bachelor's or higher

Age distribution

Male Female

533

Under 5

501

724

5–9

681

710

10–14

668

569

15–19

535

182

20–24

172

394

25–34

371

1,228

35–44

1,156

1,290

45–54

1,214

614

55–59

577

607

60–64

571

1,035

65–74

973

488

75–84

459

193

85+

182

← Male

Female →

Age summary

Group	Count	%
Under 18	4,720	28.4%
18 and over	11,907	71.6%
65 and over	3,330	20.0%
Median age	44.8 years

Race & ethnicity

White 85.4%

Asian 7.1%

Two or more races 3%

Black or African American 2.1%

Hispanic or Latino 1.7%

Other race 0.7%

Group	Count	%
White	14,442	85.4%
Asian	1,200	7.1%
Two or more races	504	3%
Black or African American	350	2.1%
Hispanic or Latino	291	1.7%
Other race	126	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	9.2%	48.0%	45.7%
$50k – $100k	19.1%	27.7%	30.9%
$100k – $200k	37.5%	17.7%	18.3%
Over $200k	34.2%	6.5%	5.1%

Under $10k 0.3%

$15k–$25k 1.7%

$25k–$35k 1.5%

$35k–$50k 2.5%

$50k–$75k 9.0%

$75k–$100k 6.8%

$100k–$150k 19.8%

$150k–$200k 14.7%

$200k+ 43.7%

Range	% of households
Under $10k	0.3%
$15k–$25k	1.7%
$25k–$35k	1.5%
$35k–$50k	2.5%
$50k–$75k	9.0%
$75k–$100k	6.8%
$100k–$150k	19.8%
$150k–$200k	14.7%
$200k+	43.7%
Median income	$174,396

Housing

Home values

Under $50k 0.7%

$50k–$100k 0.5%

$100k–$150k 0.4%

$150k–$200k 0.7%

$200k–$300k 3.4%

$300k–$500k 45.5%

$500k–$1M 43.0%

$1M+ 5.9%

Housing overview

Metric	Value
Median home value	$495,000
Median rent / month	$2,042
Owner occupied	97.1%
Renter occupied	2.9%
Vacant	2.1%
Single-family detached	97.1%
Large apartment buildings	0.2%
Mobile homes	0.0%
Median rooms	10.0
Avg household size (owned)	2.85

Year built

Era	%
2020 or later	0.0%
2010–2019	6.4%
2000–2009	14.1%
1990–1999	23.9%
1980–1989	29.8%
1970–1979	23.0%
1960–1969	1.0%
1950–1959	0.8%
1940–1949	0.0%
1939 or earlier	0.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	2.8%
3 bedrooms	19.8%
4 bedrooms	54.6%
5+ bedrooms	22.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.4%
1 vehicle	13.3%
2 vehicles	53.6%
3 or more	31.7%

Heating fuel

Fuel type	%
Utility gas	72.9%
Electricity	26.0%
Propane / LP gas	0.7%
Wood	0.3%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	4,743	81.4%
Cohabiting couple	13	0.2%
Male householder, no spouse	565	9.7%
Female householder, no spouse	505	8.7%
Households with children under 18	2,357	40.5%
Households with seniors (65+)	2,252	38.7%
Average household size	2.85

Marital status

Status	Male	Female
Never married	13.6%	15.5%
Married	76.6%	75.2%
Separated	0.0%	0.3%
Widowed	4.6%	6.0%
Divorced	5.3%	3.0%

Education

Less than 9th grade 0.5%

Some HS, no diploma 0.6%

HS graduate 6.8%

Some college, no degree 16.8%

Associate's degree 3.2%

Bachelor's degree 35.9%

Graduate / professional 36.2%

Metric	%
HS diploma or higher	98.9%
Bachelor's or higher	72.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	658	14.0%
Kindergarten	292	6.2%
Elementary school	2,244	47.6%
High school	1,096	23.3%
College / grad school	420	8.9%

Employment

Industry of employment

Education & healthcare 25.1%

Professional & management 15.9%

Manufacturing 11.0%

Finance & real estate 9.1%

Transportation & utilities 8.8%

Retail trade 6.9%

Construction 5.9%

Arts, food & hospitality 4.7%

Wholesale trade 3.9%

Other services 3.2%

Public administration 2.8%

Information 1.6%

Agriculture & mining 1.1%

Occupation

Category	%
Management, business & arts	68.3%
Service	3.8%
Sales & office	18.7%
Natural resources & construction	3.9%
Production & transportation	5.4%

Employment type

Type	%
Private sector	82.6%
Government	9.7%
Self-employed	7.4%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	78.6%
Carpool	6.2%
Public transit	0.0%
Walk	0.0%
Work from home	15.3%
Other means	0.0%
Avg commute (minutes)	22.5

Poverty

All people 0.8%

Under 18 years 0.6%

18 and over 0.9%

Married-couple families 0.2%

Female-led households 0.0%

Income support

Source	% of households
Social Security	30.4%
Retirement income	31.4%
Supplemental Security	1.6%
Cash public assistance	0.0%
Food stamps / SNAP	0.5%

Health indicators

Condition	%
Obesity	27.0%
High blood pressure	31.5%
High cholesterol	36.6%
Diabetes	8.9%
Heart disease	4.9%
Stroke	2.1%
Asthma	8.5%
Arthritis	24.3%
Kidney disease	2.2%
Pulmonary disease	4.7%
Cancer	7.1%

Behavior / access	%
Smoking	10.1%
Binge drinking	14.8%
No physical activity	14.0%
Less than 7 hrs sleep	25.9%
Depression	21.1%
Fair or poor health	8.4%
Poor mental health	11.8%
Poor physical health	7.2%
No health insurance	8.4%
Visited doctor (checkup)	77.1%
Visited dentist	77.9%
Cholesterol screening	95.0%
Teeth loss	5.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,162	9.8%

Disability	%
Any disability	7.0%
Under 18	2.2%
18–64 years	5.7%
65 and over	16.8%

Health insurance coverage

Type	%
Private insurance	91.4%
Public insurance	21.9%
No insurance	1.7%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,593	93.8%
Spanish	290	1.9%
Other Indo-European	0	0.0%
Asian & Pacific Islander	37	0.2%
Other languages	207	1.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	15,082	90.7%
Born in same state	14,858	89.4%
Born in different state	7,913	47.6%
Foreign born	224	1.3%
Naturalized citizen	1,545	9.3%
Not a US citizen	1,096	70.9%

Ancestry

Ancestry	Count	%
French	3,072	18.5%
Arab	2,681	16.1%
Italian	2,007	12.1%
Polish	235	1.4%

Ancestry	Count	%
Dutch	153	0.9%
English	69	0.4%
German	45	0.3%
Irish	29	0.2%

Technology access

Metric	% of households
Computer access	35.0%
Internet access	98.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 38139

What city is ZIP code 38139 in?

ZIP code 38139 is primarily assigned to Germantown, Tennessee.

What county is ZIP code 38139 in?

ZIP code 38139 falls within Shelby County, Tennessee.

How educated is the population of ZIP code 38139?

72% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 38139 mostly owner-occupied?

97% of occupied units in ZIP code 38139 are owner-occupied, well above the national average.

What is the median household income in ZIP code 38139?

The median household income in ZIP code 38139 is $174,396, above the national median of ~$75,000.

What is the typical home value in ZIP code 38139?

The median home value in ZIP code 38139 is $495,000.

What timezone is ZIP code 38139 in?

ZIP code 38139 observes the CST timezone.