38103 ZIP Code — Memphis, TN
Shelby County, Tennessee
ZIP code 38103 is located in Memphis, Tennessee, within Shelby County. It covers approximately 2.65 square miles and serves a population of 13,981 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 901.
About ZIP code 38103
The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 2000s, giving the area an established character. Median home value is $375,000. Renters make up the majority at 66%, typical of denser urban areas.
The gap between median ($89,851) and mean household income suggests income inequality — a small number of higher earners pull the average up.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.
Educational attainment is high — 62% of residents hold a bachelor's degree or higher, well above the national average of 33%.
13,981
population
2.65
sq mi land
Standard
ZIP type
Central (CT)
timezone
38103 ZIP code map
Cities in ZIP code 38103
Below are the cities the US Postal Service accepts for ZIP code 38103. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Memphis | Preferred |
Nearby ZIP codes
37544 Memphis (1.1 mi)
38150 Memphis (1.2 mi)
38163 Memphis (1.2 mi)
38193 Memphis (1.2 mi)
38148 Memphis (1.2 mi)
38159 Memphis (1.2 mi)
38136 Memphis (1.2 mi)
38161 Memphis (1.2 mi)
38166 Memphis (1.2 mi)
38188 Memphis (1.2 mi)
38151 Memphis (1.2 mi)
38145 Memphis (1.2 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 13,981 |
| Population density | 5,276 / sq mi |
| State FIPS | 47 |
| County FIPS | 157 |
| Geography | |
|---|---|
| Land area | 2.65 sq mi |
| Water area | 1.37 sq mi |
| Latitude | 35.1568 |
| Longitude | -90.0685 |
| 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 | 31.2% | 48.0% | 45.7% |
| $50k – $100k | 31.7% | 27.7% | 30.9% |
| $100k – $200k | 24.0% | 17.7% | 18.3% |
| Over $200k | 13.2% | 6.5% | 5.1% |
Demographics & statistics
13,981
Population
5,276
People per sq mi
34.0
Median age
$89,851
Median household income
$67,126
Per capita income
$375,000
Median home value
$1,499
Median monthly rent
34.5%
Home ownership
9.8%
Poverty rate
1.3%
Unemployment
3,760
Housing units
61.7%
Bachelor's or higher
Age distribution
Male
Female
303
Under 5
175
112
5–9
65
139
10–14
80
141
15–19
82
749
20–24
434
3,118
25–34
1,807
1,587
35–44
919
988
45–54
572
508
55–59
294
455
60–64
264
565
65–74
328
163
75–84
95
24
85+
14
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 972 | 7.0% |
| 18 and over | 13,009 | 93.0% |
| 65 and over | 1,189 | 8.5% |
| Median age | 34.0 years | |
Race & ethnicity
White
59.9%
Black or African American
27.7%
Asian
5.8%
Two or more races
4%
Hispanic or Latino
1.7%
Other race
0.7%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 8,521 | 59.9% |
| Black or African American | 3,948 | 27.7% |
| Asian | 831 | 5.8% |
| Two or more races | 574 | 4% |
| Hispanic or Latino | 248 | 1.7% |
| Other race | 96 | 0.7% |
| American Indian / Alaska Native | 11 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 31.2% | 48.0% | 45.7% |
| $50k – $100k | 31.7% | 27.7% | 30.9% |
| $100k – $200k | 24.0% | 17.7% | 18.3% |
| Over $200k | 13.2% | 6.5% | 5.1% |
Under $10k
5.5%
$10k–$15k
4.1%
$15k–$25k
3.1%
$25k–$35k
4.9%
$35k–$50k
11.8%
$50k–$75k
13.4%
$75k–$100k
11.5%
$100k–$150k
21.2%
$150k–$200k
9.4%
$200k+
15.0%
| Range | % of households |
|---|---|
| Under $10k | 5.5% |
| $10k–$15k | 4.1% |
| $15k–$25k | 3.1% |
| $25k–$35k | 4.9% |
| $35k–$50k | 11.8% |
| $50k–$75k | 13.4% |
| $75k–$100k | 11.5% |
| $100k–$150k | 21.2% |
| $150k–$200k | 9.4% |
| $200k+ | 15.0% |
| Median income | $89,851 |
Housing
Home values
Under $50k
1.6%
$100k–$150k
3.7%
$150k–$200k
3.9%
$200k–$300k
22.8%
$300k–$500k
48.2%
$500k–$1M
18.3%
$1M+
1.6%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $375,000 |
| Median rent / month | $1,499 |
| Owner occupied | 34.5% |
| Renter occupied | 65.5% |
| Vacant | 12.9% |
| Single-family detached | 19.5% |
| Large apartment buildings | 49.6% |
| Mobile homes | 0.2% |
| Median rooms | 4.0 |
| Avg household size (owned) | 1.85 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.4% |
| 2010–2019 | 13.7% |
| 2000–2009 | 31.9% |
| 1990–1999 | 19.2% |
| 1980–1989 | 6.1% |
| 1970–1979 | 3.3% |
| 1960–1969 | 2.6% |
| 1950–1959 | 3.8% |
| 1940–1949 | 1.9% |
| 1939 or earlier | 17.1% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 11.0% |
| 1 bedroom | 33.5% |
| 2 bedrooms | 31.6% |
| 3 bedrooms | 19.8% |
| 4 bedrooms | 3.8% |
| 5+ bedrooms | 0.3% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 6.9% |
| 1 vehicle | 58.0% |
| 2 vehicles | 28.6% |
| 3 or more | 6.5% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 21.7% |
| Electricity | 76.9% |
| Propane / LP gas | 0.8% |
| No fuel used | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 1,847 | 24.2% |
| Cohabiting couple | 368 | 4.8% |
| Male householder, no spouse | 3,333 | 43.8% |
| Female householder, no spouse | 2,070 | 27.2% |
| Households with children under 18 | 637 | 8.4% |
| Households with seniors (65+) | 837 | 11.0% |
| Average household size | 1.53 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 52.5% | 45.0% |
| Married | 30.1% | 37.8% |
| Separated | 2.5% | 1.9% |
| Widowed | 0.8% | 2.9% |
| Divorced | 14.1% | 12.4% |
Education
Less than 9th grade
0.8%
Some HS, no diploma
6.1%
HS graduate
14.8%
Some college, no degree
13.0%
Associate's degree
3.6%
Bachelor's degree
29.8%
Graduate / professional
32.0%
| Metric | % |
|---|---|
| HS diploma or higher | 93.2% |
| Bachelor's or higher | 61.7% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 131 | 6.3% |
| Kindergarten | 16 | 0.8% |
| Elementary school | 262 | 12.5% |
| High school | 171 | 8.2% |
| College / grad school | 1,513 | 72.3% |
Employment
Industry of employment
Education & healthcare
31.6%
Professional & management
14.9%
Transportation & utilities
11.1%
Manufacturing
9.3%
Retail trade
7.3%
Finance & real estate
6.4%
Arts, food & hospitality
5.0%
Other services
4.2%
Information
3.7%
Public administration
3.1%
Construction
1.6%
Wholesale trade
1.6%
Agriculture & mining
0.4%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 63.7% |
| Service | 5.9% |
| Sales & office | 21.8% |
| Natural resources & construction | 1.8% |
| Production & transportation | 6.9% |
Employment type
| Type | % |
|---|---|
| Private sector | 82.5% |
| Government | 14.7% |
| Self-employed | 2.8% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 79.0% |
| Carpool | 3.3% |
| Public transit | 0.6% |
| Walk | 3.6% |
| Work from home | 9.9% |
| Other means | 3.6% |
| Avg commute (minutes) | 19.2 |
Poverty
All people
9.8%
Under 18 years
5.8%
18 and over
10.2%
Married-couple families
0.0%
Female-led households
5.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 11.3% |
| Retirement income | 10.8% |
| Supplemental Security | 1.9% |
| Cash public assistance | 1.7% |
| Food stamps / SNAP | 2.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 32.6% |
| High blood pressure | 28.4% |
| High cholesterol | 24.5% |
| Diabetes | 8.5% |
| Heart disease | 3.6% |
| Stroke | 2.2% |
| Asthma | 9.6% |
| Arthritis | 15.8% |
| Kidney disease | 2.0% |
| Pulmonary disease | 4.6% |
| Cancer | 3.2% |
| Behavior / access | % |
|---|---|
| Smoking | 17.2% |
| Binge drinking | 17.5% |
| No physical activity | 19.7% |
| Less than 7 hrs sleep | 32.4% |
| Depression | 21.5% |
| Fair or poor health | 13.8% |
| Poor mental health | 15.6% |
| Poor physical health | 8.2% |
| No health insurance | 17.3% |
| Visited doctor (checkup) | 72.6% |
| Visited dentist | 61.0% |
| Cholesterol screening | 87.0% |
| Teeth loss | 11.6% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 759 | 5.9% |
| Disability | % |
|---|---|
| Any disability | 6.1% |
| Under 18 | 2.0% |
| 18–64 years | 5.3% |
| 65 and over | 17.1% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 90.2% |
| Public insurance | 14.1% |
| No insurance | 4.1% |
| Uninsured under 19 | 1.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 13,503 | 96.6% |
| Spanish | 156 | 1.2% |
| Other Indo-European | 76 | 0.6% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 80 | 0.6% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 12,931 | 92.5% |
| Born in same state | 12,796 | 91.5% |
| Born in different state | 5,524 | 39.5% |
| Foreign born | 135 | 1.0% |
| Naturalized citizen | 1,050 | 7.5% |
| Not a US citizen | 477 | 45.4% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,220 | 8.7% |
| French | 1,160 | 8.3% |
| Arab | 477 | 3.4% |
| German | 115 | 0.8% |
| Ancestry | Count | % |
|---|---|---|
| English | 113 | 0.8% |
| Polish | 89 | 0.6% |
| Dutch | 22 | 0.2% |
| Norwegian | 14 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 54.5% |
| Internet access | 95.8% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 38103
What city is ZIP code 38103 in?
ZIP code 38103 is primarily assigned to Memphis, Tennessee.
What county is ZIP code 38103 in?
ZIP code 38103 falls within Shelby County, Tennessee.
Is ZIP code 38103 mostly rentals?
66% of occupied units in ZIP code 38103 are renter-occupied.
How educated is the population of ZIP code 38103?
62% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the typical home value in ZIP code 38103?
The median home value in ZIP code 38103 is $375,000.
What is the population of ZIP code 38103?
ZIP code 38103 has an estimated population of 13,981 residents, with a density of 5,270 people per square mile.
What timezone is ZIP code 38103 in?
ZIP code 38103 observes the CST timezone.