ZIP Code 38125: Population, Income, Housing

State: TN
Total population: 43,071 Household income: $86,162 Rent: $1,581

Overview

Total population
43,071
Rent
$1,581
Year built
1996
Household income
$86,162
Per capita income
$39,115
Poverty rate
10.7%
Unemployment rate
N/A
Household size
2.7 persons
Rent over 30% of income
38.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Tennessee
County
Shelby County
City
Memphis
Total population
43,071
Adults over 25
27,688
Total households
15,888
Household size
2.7 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$86,162
Per capita income
$39,115
Poverty rate
10.7%
Unemployment rate
N/A
Rent over 30% of income
38.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,581
Year built
1996
Households that rent
46.5%
Households that own
53.5%
Rooms per home (all homes)
5.9

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
10.4%
Black
76.4%
Asian
3.4%
Two or more races
5.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
6.3%
Not Hispanic or Latino
93.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
19,821 (88.9%)
Commute time to work
23 mins
Work from home
2,473 (11.1%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
32.7%
High school graduate or GED
21.3%
Some college or associate degree
12%
Bachelor’s degree or higher
34%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 38125 with: Shelby County, TN Memphis metro area, TN-MS-AR Tennessee United States

ZIP 38125

Total population43,071
Rent$1,581
Year built1996
Household income$86,162
Per capita income$39,115
Poverty rate10.7%
Unemployment rateN/A

Shelby County, TN

Total population919,173
Rent$1,232
Year built1977
Household income$63,767
Per capita income$39,083
Poverty rate17.8%
Unemployment rate4.5%

Memphis Metro Area, TN-MS-AR

Total population1,341,924
Rent$1,220
Year built1983
Household income$66,401
Per capita income$37,885
Poverty rate16.5%
Unemployment rate4.1%

Tennessee State

Total population7,066,383
Rent$1,189
Year built1987
Household income$69,595
Per capita income$39,437
Poverty rate13.8%
Unemployment rate3.4%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP38125 CountyShelby, TNMetro AreaMemphis metro area, TN-MS-ARStateTennesseeCountryUnited States
Total population43,071919,1731,341,9247,066,383334,922,499
Rent$1,581$1,232$1,220$1,189$1,413
Year built19961977198319871980
Household income$86,162$63,767$66,401$69,595$80,734
Per capita income$39,115$39,083$37,885$39,437$44,673
Poverty rate10.7%17.8%16.5%13.8%12.5%
Unemployment rateN/A4.5%4.1%3.4%4%

View the full multi-level comparison →

 

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Summary for 38125

Rent & Income

In 38125, the typical monthly rent is $1,581 and the typical household income is $86,162. Rent here is higher than Tennessee, and household income is higher than Tennessee. The estimated poverty rate is 10.7%.

Housing & Affordability

Renters make up about 46.5% of households, indicating a relatively balanced mix of renters and owners. Around 38.5% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is moderate, with about 34% of adults holding a bachelor’s degree or higher.

 

ZIP 38125 — Rent vs Household Income

 

 

ZIP 38125 — Poverty

 

 

How ZIP 38125 compares in Tennessee (69 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,581 50 / 69 from lower rent $732 – $2,202
Household income $86,162 19 / 69 from higher income $36,901 – $154,578
Poverty rate 10.7% 27 / 69 from lower poverty 3.4% – 37.7%

Rankings are calculated among ZIP Codes in Tennessee with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 38125

Rent

When it comes to rent, ZIP Code 38125 ranks 50th out of 69 ZIP Codes in Tennessee. Statewide, values range from $732 in ZIP 37643 up to $2,202 in ZIP 37027.

Household income

Income-wise, this area is placed 19th out of 69 ZIP Codes. Across Tennessee, figures vary from $36,901 in ZIP 38127 up to $154,578 in ZIP 37027.

Poverty rate

When it comes to poverty, ZIP Code 38125 places 27th out of 69 ZIP Codes. Throughout Tennessee, numbers span from 3.4% in ZIP 38017 up to 37.7% in ZIP 38127.

 

💰 Rent in ZIP Code 38125 (with Utilities)

Estimated Monthly Rent: $1,581 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 38125

Annual Household Income: $86,162

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 38125

Estimated Rate: 10.7%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 38125

In ZIP Code 38125, households that rent: 7,382 (46.5%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 7,382 46.5%
Owner-Occupied 8,506 53.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 38125

In ZIP Code 38125, cost-burdened renters (households spending over 30% of income on housing): 2,845 (38.5%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 2,845 38.5%
Other renter households 4,537 61.5%
Total renter households 7,382 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 38125

Less than High School: 9,064 people (32.7%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,890 people (21.3%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 3,312 people (12%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 9,422 people (34%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 27,688

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.