Section 8 apartments in ZIP 38106, Memphis

ZIP 38106 covers the South Memphis (North), South Memphis (Central) 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.

Memphis Fair Housing Ordinance (no private right of action)

Section 8 payment standards — ZIP 38106

Small-Area FMR · 2026

Bedrooms	Payment standard / mo
Studio	$960
1 bedroom	$1,040
2 bedrooms	$1,150
3 bedrooms	$1,520
4 bedrooms	$1,770

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 38106

Governing PHA

Memphis Housing Authority (MHA)

HUD PHA code TN001 · 9,408 HCV vouchers

Waitlist closed

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

Apply on the PHA site →

Millington Housing Authority

HUD PHA code TN045

Call to confirm

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 38106?

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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