Zip code 38120: Memphis, Tennessee

Q: What city is zip code 38120?

38120 is assigned to Memphis, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 38120 in?

38120 is in Shelby County, Tennessee.

Q: What is the population of 38120?

About 13,309 people live in 38120, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 38120?

The median household income in 38120 is $123,538.

Q: What zip codes are near 38120?

The closest zip codes to 38120 are 38117, 38119, 38134, 38138, 38122.

Residential delivery areaShelby CountyCentral Time

Population

13,309

Median household income

$124K

U.S. $81K

Median home value

$461K

U.S. $333K

Median rent

$1,705/mo

U.S. $1,413

Median age

44.4

U.S. 38.9

Land area

9.6 sq mi

1,384 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 38120

38120 is a suburban zip code in Memphis, Tennessee (Shelby County), covering 9.6 sq mi of land. About 13,309 people live here, or 1,384 per square mile. The median resident is 44.4 years old, compared with 38.9 nationally.

The median household earns $123,538 a year, 53% above the national median of $80,734. 7.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $460,700, or 3.7 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 72% of occupied homes are lived in by their owners, and renters pay a median of $1,705 a month.

70% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 17.4 minutes each way, and 17% of workers work from home. The most common jobs among working residents are in management; healthcare; and business and finance.

How 38120 compares

Sorted from highest to lowest national percentile

Per capita income$108,686
98th
StrengthU.S. $44,673 · TN $39,4374th of 608 in TN
Income inequality (Gini)0.565
98th
WeaknessU.S. 0.483 · TN 0.47623rd of 600 in TN
Healthcare workers16.2%
97th
U.S. 9.7% · TN 9.6%39th of 607 in TN
Bachelor's degree or higher70.4%
95th
StrengthU.S. 35.7% · TN 31.1%12th of 604 in TN
Broadband access96.8%
91st
StrengthU.S. 91% · TN 89.2%26th of 600 in TN
Median household income$123,538
86th
StrengthU.S. $80,734 · TN $69,59520th of 590 in TN
Median earnings per worker$66,991
85th
StrengthU.S. $49,666 · TN $45,22921st of 606 in TN
Residents 65 and older22.2%
84th
U.S. 17.2% · TN 17.1%172nd of 608 in TN
Median age44.4
83rd
U.S. 38.9 · TN 38.9227th of 608 in TN
Tech workers5.3%
81st
U.S. 3.8% · TN 2.8%34th of 607 in TN
Median home value$460,700
70th
U.S. $332,700 · TN $286,70039th of 590 in TN
Work from home17.4%
70th
U.S. 15.1% · TN 12.9%77th of 608 in TN
Median gross rent$1,705
68th
U.S. $1,413 · TN $1,18927th of 515 in TN
Self-employed workers10.7%
66th
U.S. 10% · TN 9.8%233rd of 607 in TN
Homeownership rate71.5%
57th
U.S. 65.2% · TN 66.9%403rd of 600 in TN
Population density1,384/sq mi
50th
U.S. 95/sq mi · TN 171/sq mi75th of 608 in TN
Housing vacancy6.4%
48th
U.S. 10.1% · TN 10.2%485th of 602 in TN
Uninsured rate5.5%
38th
U.S. 8.4% · TN 10%499th of 607 in TN
Foreign-born residents6.2%
35th
U.S. 14.1% · TN 6.1%94th of 608 in TN
Rent-burdened renters46.4%
34th
U.S. 51.1% · TN 48.8%248th of 584 in TN
Poverty rate7.9%
31st
U.S. 12.5% · TN 13.8%470th of 600 in TN
Residents under 1820%
31st
U.S. 22% · TN 22.2%354th of 608 in TN
Government workers10.9%
26th
U.S. 14.5% · TN 13.7%455th of 607 in TN
Diversity index30.3
24th
U.S. 61.4 · TN 46.4200th of 608 in TN
Population13,309
20th
U.S. 334,922,499 · TN 7,066,383178th of 608 in TN
Veterans3.1%
16th
U.S. 6.2% · TN 7.3%562nd of 607 in TN
Unemployment rate2.1%
6th
StrengthU.S. 5.2% · TN 4.7%478th of 607 in TN
Average commute17.4 min
4th
StrengthU.S. 26.4 min · TN 25.7 min578th of 597 in TN

Measure	38120	Shelby	TN	U.S.	National percentile	Rank in TN
Per capita incomeStrength	$108,686	$39,083	$39,437	$44,673	98th	4th of 608
Income inequality (Gini)Weakness	0.565	0.513	0.476	0.483	98th	23rd of 600
Healthcare workers	16.2%	9.4%	9.6%	9.7%	97th	39th of 607
Bachelor's degree or higherStrength	70.4%	34.3%	31.1%	35.7%	95th	12th of 604
Broadband accessStrength	96.8%	89.6%	89.2%	91%	91st	26th of 600
Median household incomeStrength	$123,538	$63,767	$69,595	$80,734	86th	20th of 590
Median earnings per workerStrength	$66,991	$44,634	$45,229	$49,666	85th	21st of 606
Residents 65 and older	22.2%	14.8%	17.1%	17.2%	84th	172nd of 608
Median age	44.4	35.9	38.9	38.9	83rd	227th of 608
Tech workers	5.3%	3%	2.8%	3.8%	81st	34th of 607
Median home value	$460,700	$249,100	$286,700	$332,700	70th	39th of 590
Work from home	17.4%	10.8%	12.9%	15.1%	70th	77th of 608
Median gross rent	$1,705	$1,232	$1,189	$1,413	68th	27th of 515
Self-employed workers	10.7%	8.3%	9.8%	10%	66th	233rd of 607
Homeownership rate	71.5%	54.1%	66.9%	65.2%	57th	403rd of 600
Population density	1,384/sq mi	1,221/sq mi	171/sq mi	95/sq mi	50th	75th of 608
Housing vacancy	6.4%	10.3%	10.2%	10.1%	48th	485th of 602
Uninsured rate	5.5%	12%	10%	8.4%	38th	499th of 607
Foreign-born residents	6.2%	7.9%	6.1%	14.1%	35th	94th of 608
Rent-burdened renters	46.4%	54.2%	48.8%	51.1%	34th	248th of 584
Poverty rate	7.9%	17.8%	13.8%	12.5%	31st	470th of 600
Residents under 18	20%	25.4%	22.2%	22%	31st	354th of 608
Government workers	10.9%	13.8%	13.7%	14.5%	26th	455th of 607
Diversity index	30.3	61	46.4	61.4	24th	200th of 608
Population	13,309	919,173	7,066,383	334,922,499	20th	178th of 608
Veterans	3.1%	5.9%	7.3%	6.2%	16th	562nd of 607
Unemployment rateStrength	2.1%	7.2%	4.7%	5.2%	6th	478th of 607
Average commuteStrength	17.4 min	22.3 min	25.7 min	26.4 min	4th	578th of 597

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

15%

5–17

18–24

13%

25–34

12%

35–44

11%

45–54

17%

55–64

13%

65–74

75+

Median age

44.4

Under 18

20%

65 and over

22.2%

Race and ethnicity

White83%
Black5%
Hispanic4%
Asian5%
Native American0.1%
Pacific Islander0%
Other0.3%
Multiracial2%

Diversity index

30.3

U.S. 61.4

Foreign-born

6.2%

U.S. 14.1%

Born in state

55.6%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 6,092
Average household size: 2.2
Family households: 62.6%
Married couples: 55.4%
Living alone: 32.8%
Veterans (of adults): 3.1%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

$25–50k

13%

$50–75k

12%

$75–100k

$100–150k

19%

$150–200k

$200k+

32%

Median household income

38120

$123,538

Shelby Co.

$63,767

Tennessee

$69,595

United States

$80,734

Per capita income

$108,686

U.S. $44,673

Poverty rate

7.9%

U.S. 12.5%

Households earning $150K+

41.5%

U.S. 23%

Income inequality (Gini)

0.565

U.S. 0.483

Housing

Median home value

38120

$460,700

Shelby Co.

$249,100

Tennessee

$286,700

United States

$332,700

Median gross rent

38120

$1,705

Shelby Co.

$1,232

Tennessee

$1,189

United States

$1,413

Types of housing

Single-family

78%

2–4 units

5–19 units

20+ units

10%

Mobile home

Boat, RV, van

Housing units: 6,507
Owner-occupied: 71.5%
Vacant: 6.4%
Median year built: 1976
Median rooms: 7.5
Renters paying 30%+ of income: 46.4%
Renters paying 50%+ of income: 20%
Home value to income: 3.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

Transit

0.3%

Walked

Bicycle

0.2%

Worked from home

17%

Other

Commute time (one way)

<10 min

20%

10–19

39%

20–29

29%

30–44

45–59

60+

Average commute

17.4 min

U.S. 26.4 min

Unemployment

2.1%

U.S. 5.2%

In labor force

70.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

17%

Healthcare

16%

Business and finance

Legal and social services

Sales

Education

Cleaning and personal care

Computer and math

Office and admin

Transportation and moving

Engineering and science

Police and fire

Construction and repair

Food service

Production

Arts, media and sports

Farming, fishing and forestry

0.0%

Industries

Health care and social assistance

18%

Education

15%

Professional and technical services

12%

Finance, insurance and real estate

11%

Manufacturing

Other services

Retail

Public administration

Restaurants and hotels

Transportation, warehousing and utilities

Construction

Wholesale

Admin, support and management

Arts and recreation

Information

Agriculture and mining

0.2%

Median earnings per worker

$66,991

U.S. $49,666

Self-employed

10.7%

U.S. 10%

Government workers

10.9%

U.S. 14.5%

Nonprofit workers

18.2%

U.S. 8.8%

Median earnings by type of work

Type of work	38120	U.S.
Management, business, science and arts	$95,556	$74,888
Service	$10,625	$26,804
Sales and office	$53,708	$40,476
Construction and maintenance	$47,917	$49,199
Production and transportation	$22,171	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

Some college

15%

Associate's

Bachelor's

36%

Graduate

35%

High school graduate or higher: 98.8%
Bachelor's degree or higher: 70.4%
Graduate or professional degree: 34.6%
Households with broadband: 96.8%
Cable, fiber or DSL: 86.9%
No internet access: 2.2%
Without health insurance: 5.5%
Limited-English households: 1%

Geography

City (USPS): Memphis
State: Tennessee
County: Shelby County
Center point: 35.1236° N, 89.8526° W
Land area: 9.6 sq mi
Water area: under 0.1 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Memphis100% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 38120

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
38117	Memphis, TN	3 mi	25,776	$85,633	$311,800
38119	Memphis, TN	3.1 mi	23,464	$89,289	$296,700
38134	Memphis, TN	3.5 mi	43,947	$60,622	$207,000
38138	Germantown, TN	4 mi	25,167	$136,297	$430,200
38122	Memphis, TN	4.6 mi	26,021	$48,710	$123,000
38152	Memphis, TN	4.8 mi	438	—	—
38088	Cordova, TN · PO box	4.9 mi	—	—	—
38115	Memphis, TN	4.9 mi	38,491	$45,636	$145,400
38018	Cordova, TN	5 mi	38,527	$90,004	$293,800
38111	Memphis, TN	5.2 mi	41,934	$52,589	$190,100
38139	Germantown, TN	6.2 mi	16,466	$178,661	$575,500
38016	Cordova, TN	6.6 mi	44,136	$76,569	$282,800

Zip codes like 38120 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Lutherville Timonium, MD

Questions about 38120

What city is zip code 38120?

38120 is assigned to Memphis, Tennessee. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 38120 in?

38120 is in Shelby County, Tennessee.

What is the population of 38120?

About 13,309 people live in 38120, according to the Census Bureau's American Community Survey.

What time zone is 38120 in?

38120 is in Central Time.

What is the median household income in 38120?

The median household income in 38120 is $123,538.

What zip codes are near 38120?

The closest zip codes to 38120 are 38117, 38119, 38134, 38138, 38122.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 38120, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.