Section 8 apartments in Overton Square, Memphis
Overton Square is in the Midtown area, primarily within ZIP code 38104. Compare HUD rent benchmarks below, then confirm the housing authority’s adopted standard and utility allowance for the actual unit.
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.
General information, not legal advice. For help with a specific case, use HUD’s fair-housing resources.
HUD rent benchmarks — ZIP 38104
Small-Area FMR · FY2027| Bedrooms | HUD benchmark / mo |
|---|---|
| Studio | $1,220 |
| 1 bedroom | $1,330 |
| 2 bedrooms | $1,450 |
| 3 bedrooms | $1,910 |
| 4 bedrooms | $2,210 |
These are HUD Small Area Fair Market Rents, not an adopted housing authority payment standard or a guaranteed rent approval. Your authority determines assistance using its schedule, household income, voucher size and utility allowance. Rent reasonableness and inspection requirements also apply. How HUD vouchers work.
Compare HUD rent benchmarks for these ZIP codes; confirm the rental address separately: 38104
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