3 bedroom Section 8 apartments in Memphis, TN
Memphis's Small-Area Fair Market Rents change by ZIP code, so a 3 bedroom voucher will cover more in some neighborhoods than others. Here are the current payment standards across 27 tracked neighborhoods.
No source-of-income protection in effect
Memphis has a Fair Housing Ordinance that lists source of income as a protected class, BUT the ordinance has NO private right of action — only the City of Memphis Office of Fair Housing can enforce it, individual voucher-holders cannot sue. NAACP LDF's 2024 "Bad Housing Blues" report documents widespread ongoing SOI discrimination in Memphis despite the ordinance. Legal recourse for voucher-holders here is effectively minimal.
3 bedroom payment standards by neighborhood
| Neighborhood | ZIP | Payment standard / mo |
|---|---|---|
| Downtown Memphis | 38103 | $2,520 |
| South Main Arts District | 38103 | $2,520 |
| Pinch District | 38103 | $2,520 |
| Medical District | 38104 | $1,940 |
| The Edge District | 38104 | $1,940 |
| Crosstown | 38104 | $1,940 |
| Overton Square | 38104 | $1,940 |
| Cooper-Young | 38104 | $1,940 |
| Central Gardens | 38104 | $1,940 |
| Hickory Hill | 38115 | $1,800 |
| Fox Meadows | 38115 | $1,800 |
| Raleigh | 38128 | $1,780 |
| Whitehaven | 38116 | $1,650 |
| Parkway Village | 38118 | $1,620 |
| Frayser | 38127 | $1,570 |
| South Memphis (North) | 38106 | $1,520 |
| South Memphis (Central) | 38106 | $1,520 |
| Orange Mound | 38114 | $1,440 |
| Castalia Heights | 38114 | $1,440 |
| Evergreen Historic District | 38112 | $1,430 |
| Overton Park | 38112 | $1,430 |
| Binghampton | 38112 | $1,430 |
| Westwood | 38109 | $1,430 |
| Uptown | 38105 | $1,400 |
| North Memphis / Crosstown Concourse | 38105 | $1,400 |
| Klondike | 38108 | $1,390 |
| Nutbush | 38108 | $1,390 |
Public Housing Authorities
Memphis Housing Authority (MHA)
HUD PHA code TN001 · 9,408 HCV vouchers
This PHA is not accepting new applications at this time. Call for the next opening date.
MHA Section 8 HCV waitlist status varies — MHA opens periodically by lottery. Check memphisha.org or call (901) 544-1100. Serves Memphis city limits.
- Address
- 700 Adams Avenue, Memphis, TN
- Phone
- (901) 544-1100
- Website
- https://memphisha.org
Millington Housing Authority
HUD PHA code TN045
Waitlist status changes frequently — call the PHA directly to confirm before applying.
- Address
- 4888 Bill Knight Rd , Millington , TN
- Phone
- 9018723677
Own 3 bedroom units in Memphis?
Payment standards go up to $2,520/mo for 3 bedroom units. List it free today — post the unit, receive applications, and message voucher tenants directly. Your unit would be the first tenants see on this page.
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