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ZIP Code 38106

Shelby, Tennessee

FIPS 38106

Juniper

ZIP Code 38106 is in the top 34% nationally for price-to-income ratio, but in the bottom 38% nationally for FEMA risk score. It also sits in the 12th percentile nationally for median home value.

Median Home Value

$71,800

Lower than 88% of U.S. ZIP codes

FEMA Risk Score

74.3

Higher than 62% of U.S. ZIP codes

The basics

Total Population

20,962

Median Age

41.9

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$71,800

Lower than 88%

Median Property Tax

$991

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.37

Lower than 66%

Median Rent

$952

Higher than 56%

Home prices & appreciation

Ranked against U.S. ZIP codes.

Recession Drop %

-28%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

90.9

Winter Avg Low (°F)

35.4

Avg Temperature (°F)

63.4

Hot Days/yr (>90°F)

72.1

Freezing Days/yr (<32°F)

44.4

Annual Precipitation (in)

54.9

Annual Snowfall (in)

2.7

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

74.3

Higher than 62%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 38106: frequently asked questions

What is the median home value in ZIP Code 38106?
The median home value in ZIP Code 38106 is $71,800, lower than 88% of U.S. ZIP codes.
How much is property tax in ZIP Code 38106?
The median annual property tax in ZIP Code 38106 is $991, an effective rate of 1% of home value.
Is ZIP Code 38106 expensive to live in?
Homes in ZIP Code 38106 cost about 2.37× the median household income, lower than 66% of U.S. ZIP codes.
What is the average rent in ZIP Code 38106?
The median gross rent in ZIP Code 38106 is $952 a month, higher than 56% of U.S. ZIP codes.
What is the weather like in ZIP Code 38106?
ZIP Code 38106 averages 63.4°F year-round, summer highs near 90.9°F, winter lows around 35.4°F (NOAA 1991–2020 normals). It sees about 2.7 inches of snow a year.
Is ZIP Code 38106 at risk of flooding or natural disasters?
ZIP Code 38106's FEMA National Risk Index score is 74.3 (higher than 62% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →