Section 8 apartments in ZIP 38109, Memphis
ZIP 38109 covers the Westwood neighborhood in Memphis. The HUD rent benchmarks below help you compare this ZIP. Your housing authority sets its own applicable payment standard and approves the rent using household income, utilities and program rules.
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 38109
Small-Area FMR · FY2027| Bedrooms | HUD benchmark / mo |
|---|---|
| Studio | $910 |
| 1 bedroom | $990 |
| 2 bedrooms | $1,080 |
| 3 bedrooms | $1,430 |
| 4 bedrooms | $1,640 |
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.
Landlord or comparing areas? See average rent and the ZIP vs county FMR breakdown for 38109.
Neighborhoods inside ZIP 38109
Housing authority contacts
Memphis Housing Authority (MHA)
HUD PHA code TN001 · 9,408 HCV vouchers
We have not verified the current Housing Choice Voucher waiting-list status for this office. Ask whether it serves your address and how to check for openings.
Office details, application guidance and rent questions →
- Address
- 700 Adams Avenue, Memphis, TN
- Phone
- (901) 544-1100
- Website
- https://memphisha.org/
Millington Housing Authority
HUD PHA code TN045
We have not verified the current Housing Choice Voucher waiting-list status for this office. Ask whether it serves your address and how to check for openings.
- Address
- 4888 Bill Knight Rd, Millington, TN
- Phone
- (901) 872-3677
Own property in ZIP 38109?
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