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ZIP Code 38128

Shelby, Tennessee

ZCTA 38128

Juniper

ZIP Code 38128 is in the 7th percentile nationally for typical home value. It also sits in the lowest 12% nationally for median income. And it sits in the highest 22% nationally for home price growth over five years.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$166,192

Lower than 93% of U.S. ZIP codes
Home Price Growth, Past Five Years

63%

Higher than 78% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

71.5

Higher than 58% of U.S. ZIP codes

The boundary of ZIP Code 38128, in Shelby, Tennessee.

The basics

Total Population

42,162

Median Age

31.5

Population Density

1,783.15

Home values & property tax

Median Property Tax

$1,366

Property Tax Rateyearly tax as a share of home value

0.99%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.9×

Lower than 57% of U.S. ZIP codes
Median Income

$47,645

Lower than 88% of U.S. ZIP codes
Median Rent

$1,196

Higher than 64% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

3.6%

Near the U.S. ZIP codes median
Pandemic Price Run-Up2019–20 low → 2022–23 peak

63%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

32%

Climate & weather

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)

54.8

Annual Snowfall (in)

2.8

Flood & disaster risk

FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

71.5

Higher than 58% of U.S. ZIP codes

The full report

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

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 38128: frequently asked questions

What is the typical home value in ZIP Code 38128?
The estimated median home value in ZIP Code 38128 today is $166,192, lower than 93% of U.S. ZIP codes.
How much is property tax in ZIP Code 38128?
The median annual property tax in ZIP Code 38128 is $1,366, an effective rate of 0.99% of home value.
Is ZIP Code 38128 expensive to live in?
Homes in ZIP Code 38128 cost about 2.9× the median household income, lower than 57% of U.S. ZIP codes.
What is the average rent in ZIP Code 38128?
The median gross rent in ZIP Code 38128 is $1,196 a month, higher than 64% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 38128?
Home prices in ZIP Code 38128 have moved 63% over the past five years (3.6% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 38128?
ZIP Code 38128 has a population of 42,162, about 1,783.15 people per square mile, per the U.S. Census American Community Survey. The median age is 31.5.
What is the weather like in ZIP Code 38128?
ZIP Code 38128 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 38128 at risk of flooding or natural disasters?
ZIP Code 38128's FEMA National Risk Index score is 71.5 (higher than 58% 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 contributors (ODbL), EPA. Explore the map →

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