What to know about ZIP 38186
ZIP code 38186 covers ZIP 38186 with a population of about 2,263.
At a glance, the area shows median age of 32.6 versus a U.S. median of about 38.9.
It sits in the MEMPHIS media market.
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ZIP Code 38186 — undefined, undefined Demographics & Data
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
Working Class
At a glance
Population
2,263
Density
N/A
Median income
$38,022
-49% vs US avg
Home value
$144,900
-58% vs US avg
Median rent
$793
-32% vs US avg
Timezone
N/A
Overview of ZIP Code 38186
Income and economy in ZIP 38186
Median household income in ZIP 38186 is about $38,022 — about 49% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 35.1%; unemployment rate near 14.3%; 18.9% of adults with a bachelor’s degree or higher (about 14.8 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Transportation, Food services, and Healthcare; about 13.4% of workers reporting work-from-home (about 1.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).
Housing and affordability in ZIP 38186
Median home value is about $144,900 — about 58% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $793 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 36.8% (about 28.6 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 38186, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $931. That is roughly in line with the local median household income ($38,022). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.