38138 ZIP Code — Germantown, TN

Shelby County, Tennessee

ZIP code 38138 is located in Germantown, Tennessee, within Shelby County. It covers approximately 11.86 square miles and serves a population of 25,465 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 901.

About ZIP code 38138

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $366,300. Owner-occupancy is high at 82%, well above the national average.

The gap between median ($122,627) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 41% 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 20 minutes is near the national average.

Educational attainment is high — 67% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 38138 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

25,465

population

11.86

sq mi land

Standard

ZIP type

Central (CT)

timezone

38138 ZIP code map

Cities in ZIP code 38138

Below are the cities the US Postal Service accepts for ZIP code 38138. Using any city not on this list may result in mail delivery delays.

City	Status
Germantown	Acceptable
Germantown	Preferred

Nearby ZIP codes

38139 Germantown (1.8 mi) 38139 Germantown (1.8 mi) 38139 Germantown (1.8 mi) 38139 Germantown (1.8 mi) 38119 Memphis (3 mi) 38119 Memphis (3 mi) 38018 Cordova (3.8 mi) 38018 Cordova (3.8 mi) 38125 Memphis (3.9 mi) 38125 Memphis (3.9 mi) 38120 Memphis (4 mi) 38120 Memphis (4 mi)

Demographics updated 05/2026

Population
Total population	25,465
Population density	2,147 / sq mi
State FIPS	47
County FIPS	157

Geography
Land area	11.86 sq mi
Water area	0.00 sq mi
Latitude	35.0842
Longitude	-89.7920
Timezone	Central (CT)
Area code	901

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.1%	48.0%	45.7%
$50k – $100k	23.3%	27.7%	30.9%
$100k – $200k	35.7%	17.7%	18.3%
Over $200k	18.9%	6.5%	5.1%

Demographics & statistics

25,465

Population

2,147

People per sq mi

43.0

Median age

$122,627

Median household income

$64,335

Per capita income

$366,300

Median home value

$1,633

Median monthly rent

81.5%

Home ownership

3.6%

Poverty rate

2.7%

Unemployment

8,819

Housing units

67.0%

Bachelor's or higher

Age distribution

Male Female

706

Under 5

791

1,074

5–9

1,203

711

10–14

796

873

15–19

977

378

20–24

423

928

25–34

1,040

1,718

35–44

1,924

1,369

45–54

1,532

580

55–59

649

613

60–64

687

1,605

65–74

1,797

988

75–84

1,107

470

85+

526

← Male

Female →

Age summary

Group	Count	%
Under 18	6,549	25.7%
18 and over	18,916	74.3%
65 and over	6,493	25.5%
Median age	43.0 years

Race & ethnicity

White 84.9%

Black or African American 6.5%

Asian 4.6%

Two or more races 2.2%

Hispanic or Latino 1.2%

Other race 0.6%

Group	Count	%
White	21,882	84.9%
Black or African American	1,668	6.5%
Asian	1,177	4.6%
Two or more races	579	2.2%
Hispanic or Latino	320	1.2%
Other race	149	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.1%	48.0%	45.7%
$50k – $100k	23.3%	27.7%	30.9%
$100k – $200k	35.7%	17.7%	18.3%
Over $200k	18.9%	6.5%	5.1%

Under $10k 2.2%

$10k–$15k 2.9%

$15k–$25k 2.9%

$25k–$35k 4.5%

$35k–$50k 5.1%

$50k–$75k 11.1%

$75k–$100k 12.7%

$100k–$150k 19.7%

$150k–$200k 15.0%

$200k+ 23.8%

Range	% of households
Under $10k	2.2%
$10k–$15k	2.9%
$15k–$25k	2.9%
$25k–$35k	4.5%
$35k–$50k	5.1%
$50k–$75k	11.1%
$75k–$100k	12.7%
$100k–$150k	19.7%
$150k–$200k	15.0%
$200k+	23.8%
Median income	$122,627

Housing

Home values

Under $50k 0.9%

$50k–$100k 1.5%

$100k–$150k 0.9%

$150k–$200k 3.3%

$200k–$300k 19.8%

$300k–$500k 54.4%

$500k–$1M 16.2%

$1M+ 3.0%

Housing overview

Metric	Value
Median home value	$366,300
Median rent / month	$1,633
Owner occupied	81.5%
Renter occupied	18.5%
Vacant	5.8%
Single-family detached	74.4%
Large apartment buildings	10.9%
Mobile homes	0.4%
Median rooms	7.7
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.6%
2010–2019	7.6%
2000–2009	9.3%
1990–1999	9.5%
1980–1989	21.6%
1970–1979	40.5%
1960–1969	8.4%
1950–1959	2.0%
1940–1949	0.5%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	7.2%
2 bedrooms	12.7%
3 bedrooms	23.9%
4 bedrooms	43.7%
5+ bedrooms	11.6%

Vehicles per household

Vehicles	% of households
No vehicle	6.3%
1 vehicle	25.3%
2 vehicles	45.4%
3 or more	23.0%

Heating fuel

Fuel type	%
Utility gas	62.0%
Electricity	35.9%
Propane / LP gas	1.5%
Fuel oil	0.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	6,227	61.8%
Cohabiting couple	110	1.1%
Male householder, no spouse	1,106	11.0%
Female householder, no spouse	2,626	26.1%
Households with children under 18	3,258	32.4%
Households with seniors (65+)	4,518	44.9%
Average household size	2.52

Marital status

Status	Male	Female
Never married	23.2%	14.1%
Married	66.1%	61.4%
Separated	1.0%	2.0%
Widowed	2.0%	13.0%
Divorced	7.6%	9.5%

Education

Less than 9th grade 0.5%

Some HS, no diploma 1.5%

HS graduate 10.0%

Some college, no degree 15.2%

Associate's degree 5.8%

Bachelor's degree 36.0%

Graduate / professional 31.0%

Metric	%
HS diploma or higher	98.0%
Bachelor's or higher	67.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	740	10.9%
Kindergarten	493	7.3%
Elementary school	2,819	41.6%
High school	1,850	27.3%
College / grad school	876	12.9%

Employment

Industry of employment

Education & healthcare 26.7%

Finance & real estate 12.7%

Professional & management 11.9%

Retail trade 9.2%

Manufacturing 8.0%

Other services 7.1%

Transportation & utilities 7.0%

Arts, food & hospitality 6.5%

Wholesale trade 3.5%

Construction 3.2%

Public administration 2.2%

Information 1.3%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	66.2%
Service	6.1%
Sales & office	18.2%
Natural resources & construction	3.0%
Production & transportation	6.4%

Employment type

Type	%
Private sector	86.9%
Government	7.2%
Self-employed	5.8%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	78.8%
Carpool	6.2%
Public transit	0.2%
Walk	0.5%
Work from home	13.7%
Other means	0.6%
Avg commute (minutes)	20.2

Poverty

All people 3.6%

Under 18 years 1.7%

18 and over 4.2%

Married-couple families 1.5%

Female-led households 8.1%

Income support

Source	% of households
Social Security	41.2%
Retirement income	29.8%
Supplemental Security	1.7%
Cash public assistance	0.2%
Food stamps / SNAP	1.8%

Health indicators

Condition	%
Obesity	27.1%
High blood pressure	34.7%
High cholesterol	38.4%
Diabetes	9.9%
Heart disease	6.2%
Stroke	2.6%
Asthma	8.6%
Arthritis	27.4%
Kidney disease	2.6%
Pulmonary disease	5.6%
Cancer	8.4%

Behavior / access	%
Smoking	10.6%
Binge drinking	13.8%
No physical activity	15.8%
Less than 7 hrs sleep	25.7%
Depression	21.1%
Fair or poor health	9.8%
Poor mental health	11.9%
Poor physical health	7.9%
No health insurance	9.6%
Visited doctor (checkup)	78.1%
Visited dentist	75.9%
Cholesterol screening	94.8%
Teeth loss	7.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,249	6.6%

Disability	%
Any disability	9.0%
Under 18	4.0%
18–64 years	3.5%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	84.2%
Public insurance	29.2%
No insurance	2.9%
Uninsured under 19	1.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,968	94.1%
Spanish	405	1.7%
Other Indo-European	127	0.5%
Asian & Pacific Islander	40	0.2%
Other languages	200	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	23,508	92.3%
Born in same state	23,305	91.5%
Born in different state	11,978	47.0%
Foreign born	203	0.8%
Naturalized citizen	1,957	7.7%
Not a US citizen	1,177	60.1%

Ancestry

Ancestry	Count	%
Arab	5,328	20.9%
French	3,845	15.1%
Italian	1,976	7.8%
English	231	0.9%

Ancestry	Count	%
Polish	210	0.8%
Norwegian	89	0.3%
Irish	75	0.3%
Dutch	34	0.1%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	94.4%

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

Frequently asked questions about ZIP code 38138

What city is ZIP code 38138 in?

ZIP code 38138 is primarily assigned to Germantown, Tennessee.

What county is ZIP code 38138 in?

ZIP code 38138 falls within Shelby County, Tennessee.

How educated is the population of ZIP code 38138?

67% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 38138 have an older population?

26% of residents in ZIP code 38138 are 65 or older, above the national average of ~17%.

Is ZIP code 38138 mostly owner-occupied?

82% of occupied units in ZIP code 38138 are owner-occupied, well above the national average.

Does ZIP code 38138 have a large retiree population?

41% of households in ZIP code 38138 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 38138 in?

ZIP code 38138 observes the CST timezone.