ZIP Code 38132 — Memphis city, TN Demographics & Data

ZIP code 38132 covers Memphis, TN in Shelby County with a population of about 35.

It sits in telephone area code 901; U.S. House district TN-9; the MEMPHIS media market.

Memphis, TN reads as a military / base-oriented community on US5’s intent model (elevated veteran share (45.7%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 100.0%; unemployment rate near 100.0%.

FEMA’s National Risk Index rates natural-hazard risk for Memphis city, TN as Relatively High (composite score 99.4), which is among the highest nationally. The strongest component scores on US5 are flood (98.7) and wildfire (71.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Memphis city, TN show little to no average snow and around 54.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1 for ZIP 38132 (Memphis city, TN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.