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ZIP Code 38120

Shelby, Tennessee

FIPS 38120

Juniper

ZIP Code 38120 is in the top 37% nationally for appreciation 1yr %, but in the bottom 30% nationally for FEMA risk score. It also sits in the 88th percentile nationally for median rent. And it sits in the 86th percentile nationally for median home value.

Median Home Value

$460,700

Higher than 86% of U.S. ZIP codes

HPI Growth 5yr %

24%

Near the U.S. ZIP codes median

FEMA Risk Score

80.1

Higher than 70% of U.S. ZIP codes

The basics

Total Population

13,309

Median Age

44.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$460,700

Higher than 86%

Median Property Tax

$6,045

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.73

Higher than 70%

Median Rent

$1,705

Higher than 88%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

24%

Near median

Appreciation 1yr %

-1.5%

Higher than 63%

Pandemic Gain %

32%

Recession Drop %

-9.6%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

90.1

Winter Avg Low (°F)

31.8

Avg Temperature (°F)

61.1

Hot Days/yr (>90°F)

68.8

Freezing Days/yr (<32°F)

68.4

Annual Precipitation (in)

57.2

Annual Snowfall (in)

2.8

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

80.1

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 38120: frequently asked questions

What is the median home value in ZIP Code 38120?
The median home value in ZIP Code 38120 is $460,700, higher than 86% of U.S. ZIP codes.
How much is property tax in ZIP Code 38120?
The median annual property tax in ZIP Code 38120 is $6,045, an effective rate of 1% of home value.
Is ZIP Code 38120 expensive to live in?
Homes in ZIP Code 38120 cost about 3.73× the median household income, higher than 70% of U.S. ZIP codes.
What is the average rent in ZIP Code 38120?
The median gross rent in ZIP Code 38120 is $1,705 a month, higher than 88% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 38120?
Home prices in ZIP Code 38120 have moved 24% over the past five years (-1.5% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 38120?
ZIP Code 38120 averages 61.1°F year-round, summer highs near 90.1°F, winter lows around 31.8°F (NOAA 1991–2020 normals). It sees about 2.8 inches of snow a year.
Is ZIP Code 38120 at risk of flooding or natural disasters?
ZIP Code 38120's FEMA National Risk Index score is 80.1 (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 →