38106 ZIP Code — Memphis, TN

Shelby County, Tennessee

ZIP code 38106 is located in Memphis, Tennessee, within Shelby County. It covers approximately 10.40 square miles and serves a population of 23,140 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 901.

About ZIP code 38106

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $62,800. Renters make up the majority at 62%, typical of denser urban areas.

Median household income is $29,098. Poverty affects 40% of residents, above the national average. SNAP benefit usage at 31% of households reflects economic stress in the area. 39% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (50%), diabetes (26%), smoking (29%) compared to national benchmarks. 20% of residents lack health insurance, above the national average.

Overall, ZIP code 38106 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

23,140

population

10.40

sq mi land

Standard

ZIP type

Central (CT)

timezone

38106 ZIP code map

Cities in ZIP code 38106

Below are the cities the US Postal Service accepts for ZIP code 38106. Using any city not on this list may result in mail delivery delays.

City	Status
Memphis	Acceptable
Memphis	Preferred

Nearby ZIP codes

38126 Memphis (3.3 mi) 38137 Memphis (3.6 mi) 72301 West Memphis (4.1 mi) 37544 Memphis (4.3 mi) 37501 Memphis (4.4 mi) 38197 Memphis (4.4 mi) 38148 Memphis (4.4 mi) 38145 Memphis (4.4 mi) 38161 Memphis (4.4 mi) 38151 Memphis (4.4 mi) 38150 Memphis (4.4 mi) 38136 Memphis (4.4 mi)

Demographics updated 05/2026

Population
Total population	23,140
Population density	2,225 / sq mi
State FIPS	47
County FIPS	157

Geography
Land area	10.40 sq mi
Water area	0.00 sq mi
Latitude	35.0952
Longitude	-90.0876
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	76.3%	48.0%	45.7%
$50k – $100k	21.3%	27.7%	30.9%
$100k – $200k	2.0%	17.7%	18.3%
Over $200k	0.4%	6.5%	5.1%

Demographics & statistics

23,140

Population

2,225

People per sq mi

41.9

Median age

$29,098

Median household income

$18,711

Per capita income

$62,800

Median home value

$881

Median monthly rent

37.9%

Home ownership

40.1%

Poverty rate

19.2%

Unemployment

6,165

Housing units

12.8%

Bachelor's or higher

Age distribution

Male Female

740

Under 5

779

792

5–9

835

676

10–14

712

665

15–19

701

556

20–24

586

1,411

25–34

1,486

1,305

35–44

1,375

1,440

45–54

1,518

754

55–59

794

817

60–64

860

1,241

65–74

1,307

582

75–84

613

290

85+

305

← Male

Female →

Age summary

Group	Count	%
Under 18	5,305	22.9%
18 and over	17,835	77.1%
65 and over	4,338	18.7%
Median age	41.9 years

Race & ethnicity

Black or African American 95.5%

White 2.3%

Hispanic or Latino 0.8%

Other race 0.6%

Two or more races 0.5%

American Indian / Alaska Native 0.3%

Group	Count	%
Black or African American	22,270	95.5%
White	539	2.3%
Hispanic or Latino	180	0.8%
Other race	145	0.6%
Two or more races	123	0.5%
American Indian / Alaska Native	63	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	76.3%	48.0%	45.7%
$50k – $100k	21.3%	27.7%	30.9%
$100k – $200k	2.0%	17.7%	18.3%
Over $200k	0.4%	6.5%	5.1%

Under $10k 11.4%

$10k–$15k 14.7%

$15k–$25k 16.0%

$25k–$35k 15.1%

$35k–$50k 15.5%

$50k–$75k 13.3%

$75k–$100k 8.5%

$100k–$150k 3.9%

$150k–$200k 0.6%

$200k+ 1.0%

Range	% of households
Under $10k	11.4%
$10k–$15k	14.7%
$15k–$25k	16.0%
$25k–$35k	15.1%
$35k–$50k	15.5%
$50k–$75k	13.3%
$75k–$100k	8.5%
$100k–$150k	3.9%
$150k–$200k	0.6%
$200k+	1.0%
Median income	$29,098

Housing

Home values

Under $50k 36.5%

$50k–$100k 48.4%

$100k–$150k 10.2%

$150k–$200k 2.9%

$200k–$300k 0.6%

$300k–$500k 0.4%

$500k–$1M 0.8%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$62,800
Median rent / month	$881
Owner occupied	37.9%
Renter occupied	62.1%
Vacant	21.7%
Single-family detached	76.9%
Large apartment buildings	2.6%
Mobile homes	0.8%
Median rooms	5.5
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.1%
2010–2019	0.8%
2000–2009	1.6%
1990–1999	4.5%
1980–1989	2.3%
1970–1979	6.2%
1960–1969	10.1%
1950–1959	38.4%
1940–1949	28.1%
1939 or earlier	8.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	6.7%
2 bedrooms	45.5%
3 bedrooms	35.1%
4 bedrooms	9.9%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	21.1%
1 vehicle	53.8%
2 vehicles	20.0%
3 or more	5.0%

Heating fuel

Fuel type	%
Utility gas	63.2%
Electricity	35.1%
Propane / LP gas	0.3%
Fuel oil	0.5%
Wood	0.1%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	1,028	10.9%
Cohabiting couple	603	6.4%
Male householder, no spouse	3,109	33.0%
Female householder, no spouse	4,668	49.6%
Households with children under 18	1,917	20.4%
Households with seniors (65+)	3,536	37.6%
Average household size	2.44

Marital status

Status	Male	Female
Never married	63.7%	59.7%
Married	15.7%	13.4%
Separated	3.6%	5.4%
Widowed	3.3%	12.1%
Divorced	13.7%	9.4%

Education

Less than 9th grade 4.4%

Some HS, no diploma 13.7%

HS graduate 48.9%

Some college, no degree 15.2%

Associate's degree 5.1%

Bachelor's degree 9.3%

Graduate / professional 3.5%

Metric	%
HS diploma or higher	81.9%
Bachelor's or higher	12.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	269	5.8%
Kindergarten	472	10.2%
Elementary school	1,940	41.9%
High school	1,111	24.0%
College / grad school	836	18.1%

Employment

Industry of employment

Transportation & utilities 27.1%

Education & healthcare 18.4%

Professional & management 10.8%

Arts, food & hospitality 10.5%

Manufacturing 8.7%

Retail trade 8.1%

Other services 4.3%

Public administration 3.7%

Construction 3.2%

Finance & real estate 2.8%

Wholesale trade 1.8%

Information 0.4%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	15.9%
Service	22.7%
Sales & office	23.9%
Natural resources & construction	6.0%
Production & transportation	31.5%

Employment type

Type	%
Private sector	87.2%
Government	10.9%
Self-employed	1.5%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	82.3%
Carpool	9.7%
Public transit	2.3%
Walk	2.1%
Work from home	2.7%
Other means	0.9%
Avg commute (minutes)	23.2

Poverty

All people 40.1%

Under 18 years 61.6%

18 and over 33.8%

Married-couple families 9.8%

Female-led households 41.2%

Income support

Source	% of households
Social Security	39.4%
Retirement income	15.4%
Supplemental Security	14.8%
Cash public assistance	2.6%
Food stamps / SNAP	30.9%

Health indicators

Condition	%
Obesity	49.9%
High blood pressure	56.0%
High cholesterol	36.2%
Diabetes	25.6%
Heart disease	9.9%
Stroke	8.1%
Asthma	14.0%
Arthritis	35.6%
Kidney disease	5.7%
Pulmonary disease	12.7%
Cancer	5.9%

Behavior / access	%
Smoking	28.8%
Binge drinking	9.1%
No physical activity	41.8%
Less than 7 hrs sleep	43.4%
Depression	21.8%
Fair or poor health	34.9%
Poor mental health	18.9%
Poor physical health	18.5%
No health insurance	27.3%
Visited doctor (checkup)	83.9%
Visited dentist	39.3%
Cholesterol screening	90.5%
Teeth loss	36.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	815	4.6%

Disability	%
Any disability	16.6%
Under 18	3.0%
18–64 years	15.5%
65 and over	36.5%

Health insurance coverage

Type	%
Private insurance	49.5%
Public insurance	50.4%
No insurance	20.0%
Uninsured under 19	16.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	21,621	93.4%
Spanish	146	0.7%
Other Indo-European	130	0.6%
Asian & Pacific Islander	11	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	23,001	99.4%
Born in same state	22,923	99.1%
Born in different state	18,662	80.6%
Foreign born	78	0.3%
Naturalized citizen	139	0.6%
Not a US citizen	38	27.3%

Ancestry

Ancestry	Count	%
Arab	520	2.2%
French	19	0.1%

Ancestry	Count	%
Irish	14	0.1%
Italian	7	0%

Technology access

Metric	% of households
Computer access	40.7%
Internet access	67.6%

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

Frequently asked questions about ZIP code 38106

What city is ZIP code 38106 in?

ZIP code 38106 is primarily assigned to Memphis, Tennessee.

What county is ZIP code 38106 in?

ZIP code 38106 falls within Shelby County, Tennessee.

What is the poverty rate in ZIP code 38106?

40% of residents in ZIP code 38106 live below the poverty line, above the national average.

Is ZIP code 38106 mostly rentals?

62% of occupied units in ZIP code 38106 are renter-occupied.

How educated is the population of ZIP code 38106?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What are the health statistics for ZIP code 38106?

Health data for ZIP code 38106 shows elevated rates of obesity (50%) and diabetes (26%) and smoking (29%) compared to national benchmarks.

What timezone is ZIP code 38106 in?

ZIP code 38106 observes the CST timezone.