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State markets/Tennessee/Shelby County/ZIP area 38103

ZIP AREA · ZCTA 38103 · CENSUS 2020

ZIP area 38103

The 9 census tracts that make up ZIP Code Tabulation Area 38103 in Shelby County. Each tract opens its own lender ranking and its full HMDA record list.

Census tracts

9

3 counted under this ZIP

Counties

1

wholly inside one county

Population

12,344

of the tracts this ZIP owns

Owner-occupied units

2,516

2,366 1-4 family homes

Census tracts in ZIP area 38103

Every tract this ZIP area touches — sort, filter by population or overlap, export, or open a row for the tract's card. The RECORDS column opens that tract's HMDA records in the loan explorer, which is where a ZIP-scoped question becomes an exact one.

9 OF 9 TRACTSEVERY TRACT THIS ZIP AREA TOUCHES — NO ROWS WITHHELD
RECORDS
Shelby County38103Most of this tract's land is inside 38103, so its population and housing count toward 38103.51.1%5,821UpperOPEN →
Shelby County38104This tract overlaps 38103 but sits mostly inside 38104, so it is counted there and not here.12.4%1,291LowOPEN →
Shelby County38105This tract overlaps 38103 but sits mostly inside 38105, so it is counted there and not here.32.3%1,132—OPEN →
Shelby County38105This tract overlaps 38103 but sits mostly inside 38105, so it is counted there and not here.17.9%1,532ModerateOPEN →
Shelby County38103Most of this tract's land is inside 38103, so its population and housing count toward 38103.100.0%3,432UpperOPEN →
Shelby County38103Most of this tract's land is inside 38103, so its population and housing count toward 38103.75.3%3,091UpperOPEN →
Shelby County38105This tract overlaps 38103 but sits mostly inside 38105, so it is counted there and not here.11.5%1,285MiddleOPEN →
Shelby County38126This tract overlaps 38103 but sits mostly inside 38126, so it is counted there and not here.46.6%1,188—OPEN →
Shelby County38126This tract overlaps 38103 but sits mostly inside 38126, so it is counted there and not here.44.0%3,499—OPEN →

What a ZIP area is, and what it is not

A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land.

We publish no ZIP-level lending figure on this page, and the omission is deliberate. Summing tract originations into a ZIP would be an approximation dressed as a measurement: the boundary is areal, a tract that straddles two ZIPs has to be given to one of them, and HMDA never said the loan was in a ZIP in the first place. The lending figures live one level down, on each tract’s own page, where they are exactly what the lender reported.

Also checked and not used: FHA endorsement records carry a property ZIP, but they cover one loan programme rather than the market, and matching them to a county by name collides in Virginia, where “Richmond” is both a county and an independent city. We do not publish a figure we cannot attribute with certainty.

Go deeper

Step back up to the Shelby County market profile, which lists every ZIP area in the county, or the Tennessee state profile.

Sources: U.S. Census Bureau 2020 ZCTA-to-census-tract relationship file (zcta_tract_rel, 168,212 overlaps across 33,791 ZCTAs and 85,143 tracts, loaded 2026-08-02); FFIEC census-tract file; HMDA tract attributes. Housing figures are summed over the tracts this ZIP area is dominant for, so they match the county page’s row for the same ZIP exactly. Figures are as loaded — see data attribution.