Memphis, TN (38125)

Memphis, TN (ZIP 38125) sits in Shelby County within the Memphis metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: High Blood Pressure comes in above the national average at 41.3%. NCES lists 11 schools serving the area, 11 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $13,796. IRS data shows average household income (AGI) of $65,358, well above the ~$45K national average per return. Average annual pay across local establishments runs $82,028 per worker (Census ZBP) — a high-wage local economy. Federal QCEW filings show 482,470 covered jobs in this ZIP's primary county — a major regional employment hub. The CDC SVI flags racial & ethnic minority (89th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 38th-percentile score. FEMA has issued 28 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. County Health Rankings reports 14,564 years of potential life lost per 100,000 (2025) — well above the national county median. 32.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. IRS migration data (2022-2023) shows a net loss of 9,272 residents (4,439 households) — the ZIP's primary county is shrinking. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $80,116, fair market rent of $1,550 for a two-bedroom, and a typical home value of $277,785, down 1.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

Demographics

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

Apartment construction (5+ unit buildings) accounts for 68% of new units this year — the area is densifying, not just adding single-family stock.

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $1363.4M across all reported brackets.

Business & employment

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

That is roughly 9% above the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Based on Shelby County, TN data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Public libraries

Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.

Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.

Social Vulnerability Index

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Air quality

Based on Shelby County data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Low birth weight (under 2,500 g) accounts for 11.9% of live births in this county — an early-life health input that downstream outcomes track against.

Based on Shelby data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Among low-income residents, 11.2% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in Shelby County, TN for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Incoming households reported an average AGI of $61,999 versus departing households' $74,914.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

11 schools serve this ZIP, including 11 non-charter.

Showing top 5 by enrollment. 6 more schools serve this ZIP.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Colleges & universities nearby

• University of Memphis

  Memphis, TN · 38152

  4-Year

  In-state tuition

  $10,728

  Out-of-state tuition

  $15,384

  Acceptance rate

  72.0%

  Graduation rate

  50.1%

  Median earnings (10 yr)

  $48,458

  Median student debt

  $23,300

• Southwest Tennessee Community College

  Memphis, TN · 38134

  2-Year

  In-state tuition

  $4,778

  Out-of-state tuition

  $17,750

  Acceptance rate

  —

  Graduation rate

  19.2%

  Median earnings (10 yr)

  $34,071

  Median student debt

  —

• Rhodes College

  Memphis, TN · 38112

  4-Year

  In-state tuition

  $57,110

  Out-of-state tuition

  $57,110

  Acceptance rate

  50.3%

  Graduation rate

  83.1%

  Median earnings (10 yr)

  $66,651

  Median student debt

  $21,761

• Strayer University-Tennessee

  Memphis, TN · 38118

  4-Year

  In-state tuition

  $13,920

  Out-of-state tuition

  $13,920

  Acceptance rate

  —

  Graduation rate

  —

  Median earnings (10 yr)

  $40,092

  Median student debt

  $40,621

• Tennessee College of Applied Technology-Memphis

  Memphis, TN · 38105

  2-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  47.2%

  Median earnings (10 yr)

  $31,192

  Median student debt

  —

• Christian Brothers University

  Memphis, TN · 38104

  4-Year

  In-state tuition

  $38,420

  Out-of-state tuition

  $38,420

  Acceptance rate

  86.7%

  Graduation rate

  55.3%

  Median earnings (10 yr)

  $57,478

  Median student debt

  $27,000

• Baptist Health Sciences University

  Memphis, TN · 38104

  4-Year

  In-state tuition

  $13,796

  Out-of-state tuition

  $13,796

  Acceptance rate

  82.0%

  Graduation rate

  46.1%

  Median earnings (10 yr)

  $72,529

  Median student debt

  $29,500

• Le Moyne-Owen College

  Memphis, TN · 38126

  4-Year

  In-state tuition

  $12,076

  Out-of-state tuition

  $12,076

  Acceptance rate

  99.2%

  Graduation rate

  25.8%

  Median earnings (10 yr)

  $35,594

  Median student debt

  $28,070

• Concorde Career College-Memphis

  Memphis, TN · 38137

  2-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  95.1%

  Graduation rate

  53.1%

  Median earnings (10 yr)

  $31,599

  Median student debt

  $9,500

• The University of Tennessee Health Science Center

  Memphis, TN · 38163

  4-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  —

  Median earnings (10 yr)

  $66,318

  Median student debt

  $12,500

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Frequently Asked Questions — ZIP 38125

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