Section 8 apartments in ZIP 38103, Memphis
ZIP 38103 covers the Downtown Memphis, South Main Arts District, Pinch District, Medical District neighborhoods in Memphis. Payment standards below are the exact ceilings a Housing Choice Voucher will cover for units in this ZIP.
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 38103
Small-Area FMR · 2026| Bedrooms | Payment standard / mo |
|---|---|
| Studio | $1,590 |
| 1 bedroom | $1,730 |
| 2 bedrooms | $1,910 |
| 3 bedrooms | $2,520 |
| 4 bedrooms | $2,940 |
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.
Neighborhoods inside ZIP 38103
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
Own property in ZIP 38103?
Section 8 holders here can pay up to the payment standard shown above. 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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