The ZIP Code 38109 is associated with the city of Memphis in Tennessee in Shelby County in the U.S. It is estimated that about 13.7% of residents in this Tennessee region hold a bachelor's degree or higher, while the per capita income is approximately $18,008. The median age in the 38109 ZIP Code is 41.6 years, with 24.9% of residents aged 62 years and older. An estimated 22% of the population in this ZIP lives below the poverty line, while the median househould income is $31,114. The current population estimate is 44,911.
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Looking at race in the population that makes up ZIP Code 38109, 99.4% is one race, while 0.6% are two or more races. Approximately 1.4% of 38109 residents are hispanic or Latino (of any race). The most common race in 38109 (race alone or in combination with one or more other races), is Black or African American (96.9%), followed by White (2.9%) .
| Industry | Percent |
|---|---|
| White | 2.9% |
| Black or African American | 96.9% |
| American Indian and Alaska Native | 0.3% |
| Asian | 0.1% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.6% |
The median household income in ZIP Code 38109 is $31,114, while the region's mean household income is $43,741. Breaking income down further, per capita income in the region is $18,008. The per capita income in ZIP Code 38109 of $18,008 is approximately 39.69% less than the per capita income in the U.S. overall of $29,859. An estimated 21.8% of the population is living below the poverty line in this region. This rate is approximately129.47% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 17.9% of the population in 38109 earn $15,000 to $24,999 per year, while an estimated 14.8% earn $35,000 to $49,999 per year, and 1.0% of 38109 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 11.0% |
| $10,000 to $14,999 per year | 12.2% |
| $15,000 to $24,999 per year | 17.9% |
| $25,000 to $34,999 per year | 14.5% |
| $35,000 to $49,999 per year | 14.8% |
| $50,000 to $74,999 per year | 14.2% |
| $75,000 to $99,999 per year | 7.8% |
| $100,000 to $149,999 per year | 5.6% |
| $150,000 to $199,999 per year | 1.0% |
| $200,000 or more per year | 1.0% |
In ZIP Code 38109, 83.8% of the population graduated high school, while 13.7% have a bachelor's degree or higher. In this region, 4.9% achieved an education level less than 9th grade, while 5.0% hold a graduate or professional degree. Approximately 36.1% in this Shelby County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 4.9% |
| 9th to 12th grade, no diploma | 11.3% |
| High school graduate (includes equivalency) | 36.1% |
| Some college, no degree | 28.1% |
| Associate's degree | 5.8% |
| Bachelor's degree | 8.8% |
| Graduate or professional degree | 5.0% |
Residents of ZIP Code 38109 are older than average. The median age of 41.6 years in ZIP Code 38109 is approximately 9.19% higher than the overall median age in the U.S. of 38.1 years. About 77.2% of residents are aged 18 years and older, and 24.9% of residents are 62 years and over. Approximately 12.4% of the population in 38109 falls in the age group 45 to 54 years, while an estimated 12.3% are aged 65 to 74 years. On the low end of the scale, 2.2% of 38109 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 5.8% |
| 5 to 9 years | 5.6% |
| 10 to 14 years | 7.4% |
| 15 to 19 years | 6.6% |
| 20 to 24 years | 6.0% |
| 25 to 34 years | 11.4% |
| 35 to 44 years | 10.5% |
| 45 to 54 years | 12.4% |
| 55 to 59 years | 7.1% |
| 60 to 64 years | 7.0% |
| 65 to 74 years | 12.3% |
| 75 to 84 years | 5.8% |
| 85 years and over | 2.2% |
In ZIP Code 38109, 96.7% of the population lists "English only" as the language spoken in home, while 1.4% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 0.7% of homes, and other Indo-European languages are spoken in 0.1% of homes. Lastly, 1.2% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Shelby County region.
| Language Spoken | Percent |
|---|---|
| English only | 96.7% |
| Spanish | 1.4% |
| Other Indo-European languages | 0.7% |
| Asian and Pacific Islander languages | 0.1% |
| Other languages | 1.2% |
Regarding the age of homes in ZIP Code 38109, an estimated 26.9% of homes were built between 1950 and 1959. Additionally, 22.4% of homes in the region were built between 1960 and 1969, while an estimated 0.2% of homes were built in 2014 or later in this Shelby County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.2% |
| Built between 2010 and 2013 | 1.2% |
| Built between 2000 and 2009 | 6.5% |
| Built between 1990 and 1999 | 5.8% |
| Built between 1980 and 1989 | 5.1% |
| Built between 1970 and 1979 | 18.6% |
| Built between 1960 and 1969 | 22.4% |
| Built between 1950 and 1959 | 26.9% |
| Built between 1940 and 1949 | 9.3% |
| Built in 1939 or earlier | 3.9% |
In 38109, 52.0% of the population is in the labor force. Recent estimates place 1.1% as working from home, while the total labor force in the region has a mean travel to time to work of 24.9 minutes. Approximately 22.3% of the employed population 16 years and over in 38109 work in educational services, and health care and social assistance, while an estimated 20.5% work in transportation and warehousing, and utilities. On the lower end of the scale, just 0.1% of 38109 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.1% |
| Construction | 4.0% |
| Manufacturing | 8.1% |
| Wholesale trade | 3.3% |
| Retail trade | 9.8% |
| Transportation and warehousing, and utilities | 20.5% |
| Information | 1.4% |
| Finance and insurance, and real estate and rental and leasing | 3.8% |
| Professional, scientific, management, and administrative | 6.9% |
| Educational services, and health care and social assistance | 22.3% |
| Arts, entertainment, and recreation, and accommodation and food services | 10.4% |
| Other services, except public administration | 4.8% |
| Public administration | 4.7% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 38109 is current access to health insurance, as an estimated 82.6% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 38109 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 82.6% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 38109 has an average daily solar radiation level of 5.21 kWh/m2/day. This is approximately 26.46% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 20.94% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 38109 | 9.89¢/kWh | 10.68¢/kWh | 11.36¢/kWh |
| Tennessee | 12.92¢/kWh | 12.32¢/kWh | 6.51¢/kWh |
| United States | 16.83¢/kWh | 13.2¢/kWh | 8.21¢/kWh |
| Month | ZIP Code 38109 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 4.21 | 1.9 | 5.84 |
| Feb | 4.46 | 3 | 6.31 |
| Mar | 4.92 | 3.65 | 7.02 |
| Apr | 5.59 | 5.13 | 7.3 |
| May | 5.77 | 5.17 | 7.13 |
| Jun | 5.95 | 5.72 | 6.95 |
| Jul | 5.84 | 6.22 | 6.51 |
| Aug | 6.03 | 6.08 | 6.65 |
| Sep | 5.96 | 5.15 | 7.02 |
| Oct | 5.32 | 3.32 | 6.92 |
| Nov | 4.61 | 2.33 | 5.99 |
| Dec | 3.81 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 38109, credit reporting or other personal consumer reports have received the most complaints in 38109 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this Shelby County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 1287 |
| Credit reporting or credit repair services | 874 |
| Debt collection | 149 |
| Checking or savings account | 33 |
| Credit card | 10 |
| Other | 49 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 1018 |
| Improper use of your report | 473 |
| Problem with a credit reporting company's investigation | 317 |
| Problem with a company's investigation into an existing problem | 313 |
| Attempts to collect debt not owed | 88 |
| Other | 193 |