2 bedroom Section 8 apartments in North Memphis / Crosstown Concourse, Memphis
A Section 8 voucher will cover up to $1,060/mo for a 2 bedroom unit in ZIP 38105 — the current Small-Area FMR for the North Memphis / Crosstown Concourse area.
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.
Section 8 payment standards — ZIP 38105
Small-Area FMR · 2026| Bedrooms | Payment standard / mo |
|---|---|
| Studio | $880 |
| 1 bedroom | $960 |
| 2 bedrooms | $1,060 |
| 3 bedrooms | $1,400 |
| 4 bedrooms | $1,630 |
Payment standards published by HUD. Small-Area FMRs vary by ZIP code — this is the exact ceiling a Housing Choice Voucher will cover for a unit in this ZIP.
Governing PHA
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