How much does Section 8 pay for a 2-bedroom in ZIP 38115?

For ZIP 38115 in Shelby County, TN, the FY2026 two-bedroom Small Area Fair Market Rent is $1,360 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,225 to $1,495 before the tenant's utility allowance.

What are the FY2026 Section 8 rent limits for ZIP 38115?

HUD's FY2026 Small Area Fair Market Rent for ZIP 38115, by bedroom size: studio $1,130, 1-bedroom $1,230, 2-bedroom $1,360, 3-bedroom $1,800, 4-bedroom $2,090. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.

Which housing authority covers ZIP 38115?

Vouchers for Shelby County are administered by Memphis Housing Authority (MHA), Millington Housing Authority. The authority whose jurisdiction covers ZIP 38115 handles the application, the waitlist, the HAP contract, and the unit inspection.

Section 8 Rent in ZIP 38115

FY2026 Small Area Fair Market Rent for ZIP 38115 in Shelby County, Tennessee: the exact per-bedroom rents HUD publishes for this ZIP, the estimated payment-standard range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Tennessee.

Studio

$1,130

1 BR

$1,230

2 BR

$1,360

3 BR

$1,800

4 BR

$2,090

Estimated payment standard range (2 BR)

Local PHAs set payment standards between 90% and 110% of FMR. Exact figures vary by PHA. The numbers below are the modeled range.

Low (90%)

$1,225

FMR (100%)

$1,360

High (110%)

$1,495

Gross rent before the tenant utility allowance. The PHA's published payment standard is the number that actually applies; verify with the PHA before signing a lease or HAP contract.

ZIP vs county FMR (2 BR)

ZIP 38115 at $1,360 is $86 higher than the Shelby County county-wide 2 BR FMR of $1,274. In SAFMR metros the ZIP number is what actually applies to an address here, so a voucher stretches further in this ZIP than the county average suggests.

Can a landlord refuse Section 8 in ZIP 38115?

Yes. Tennessee law blocks local governments from requiring voucher acceptance, so landlords in ZIP 38115 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.

Tennessee has no source-of-income protection

Tennessee has NO statewide source-of-income protection. The state legislature has been aggressive about preempting local anti-discrimination measures. Landlords can legally decline voucher applicants. Voucher tenants remain a solid financial option — guaranteed monthly rent, often above local market — but the choice is voluntary.

View statute →

Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.

Housing authorities serving Shelby County

Memphis Housing Authority (MHA)
Memphis · PHA code TN001
9,408 Section 8 units
Millington Housing Authority
Millington · PHA code TN045
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The PHA whose jurisdiction covers ZIP 38115 handles the application, the HAP contract, and the unit inspection.

Frequently asked questions

How much does Section 8 pay for a 2-bedroom in ZIP 38115?: For ZIP 38115 in Shelby County, TN, the FY2026 two-bedroom Small Area Fair Market Rent is $1,360 per month. Local housing authorities set the Section 8 payment standard between 90% and 110% of that, roughly $1,225 to $1,495 before the tenant's utility allowance.
What are the FY2026 Section 8 rent limits for ZIP 38115?: HUD's FY2026 Small Area Fair Market Rent for ZIP 38115, by bedroom size: studio $1,130, 1-bedroom $1,230, 2-bedroom $1,360, 3-bedroom $1,800, 4-bedroom $2,090. In SAFMR metros the ZIP-level figure, not the county average, is what applies to an address here.
Which housing authority covers ZIP 38115?: Vouchers for Shelby County are administered by Memphis Housing Authority (MHA), Millington Housing Authority. The authority whose jurisdiction covers ZIP 38115 handles the application, the waitlist, the HAP contract, and the unit inspection.

Find Section 8 apartments in ZIP 38115

VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. Landlords: listings here reach applicants whose voucher already covers the rent above.

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Shelby County overview All of Tennessee

SAFMR data published by HUD for FY2026. ZIP 38115 maps to Shelby County, TN · FIPS 47157. Investors can run these numbers in the RentalCalcs voucher analyzer.