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ZIP Code 38109

Shelby, Tennessee

FIPS 38109

Juniper

ZIP Code 38109 is in the top 4% nationally for HPI growth 5yr %, but in the bottom 30% nationally for FEMA risk score. It also sits in the 13th percentile nationally for median home value. And it sits in the top 26% nationally for appreciation 1yr %.

Median Home Value

$80,400

Lower than 87% of U.S. ZIP codes

HPI Growth 5yr %

73%

Higher than 96% of U.S. ZIP codes

FEMA Risk Score

79.9

Higher than 70% of U.S. ZIP codes

The basics

Total Population

42,452

Median Age

38.9

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$80,400

Lower than 87%

Median Property Tax

$1,034

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.14

Lower than 72%

Median Rent

$1,040

Higher than 62%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

73%

Higher than 96%

Appreciation 1yr %

2.5%

Higher than 74%

Pandemic Gain %

81%

Recession Drop %

-26%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

89.7

Winter Avg Low (°F)

33.2

Avg Temperature (°F)

61.8

Hot Days/yr (>90°F)

60.7

Freezing Days/yr (<32°F)

58.4

Annual Precipitation (in)

55.9

Annual Snowfall (in)

1.7

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

79.9

Higher than 70%

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 38109: frequently asked questions

What is the median home value in ZIP Code 38109?
The median home value in ZIP Code 38109 is $80,400, lower than 87% of U.S. ZIP codes.
How much is property tax in ZIP Code 38109?
The median annual property tax in ZIP Code 38109 is $1,034, an effective rate of 1% of home value.
Is ZIP Code 38109 expensive to live in?
Homes in ZIP Code 38109 cost about 2.14× the median household income, lower than 72% of U.S. ZIP codes.
What is the average rent in ZIP Code 38109?
The median gross rent in ZIP Code 38109 is $1,040 a month, higher than 62% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 38109?
Home prices in ZIP Code 38109 have moved 73% over the past five years (2.5% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 38109?
ZIP Code 38109 averages 61.8°F year-round, summer highs near 89.7°F, winter lows around 33.2°F (NOAA 1991–2020 normals). It sees about 1.7 inches of snow a year.
Is ZIP Code 38109 at risk of flooding or natural disasters?
ZIP Code 38109's FEMA National Risk Index score is 79.9 (higher than 70% 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 →