38105 Property Tax Rate
Memphis, Tennessee · Part of Shelby County
Effective Tax Rate
1.03%
35.7% below state avgMedian Annual Tax
$776
$65/mo escrow
Estimate Your Tax
Annual Tax
$776
Monthly
$65
Eff. Rate
1.03%
Buyer decision brief
What ZIP 38105 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$65/mo
Based on median annual tax paid
State context
0.48 percentage points above the Tennessee average
Tennessee average: 0.55%
Data confidence
Use cautionThe Census margin of error is $301, about 39% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Shelby County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 38105 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
High margin of error
$301 tax MOE, 39% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Shelby County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 38105
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $75,400, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.03%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Tennessee and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $65 per month before insurance, HOA dues, or special assessments.
Assessor verification
Shelby County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 38105 Compares
Median Annual Property Tax
ZIP 38105
1.03%
Effective rate
Tennessee Avg
0.55%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Tennessee
Higher than 96% of ZIP codes in Tennessee(96th percentile, 580 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 38105
Property owners in ZIP code 38105 (Memphis, Tennessee) pay a median of $776/year in property taxes on homes valued at $75,400. This translates to an effective tax rate of 1.03%, which is 88% above the Tennessee state average of 0.55%.
The monthly property tax burden for a median-valued home in 38105 is approximately $65, which factors into escrow payments on mortgages. This ZIP code is located within Shelby County. This is $430 less than the Tennessee average of $1,206/year.
Compared to similar ZIP codes in Tennessee, 38105 has lower property taxes. ZIP codes with similar effective rates include 37403 (1.04%) and 38108 (1.04%).
In Memphis, property taxes represent approximately 2.6% of the median household income of $29,316, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 38105, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Shelby County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 38105?
How much are property taxes in Memphis, TN (38105)?
How does ZIP 38105 compare to the Tennessee average?
What is the median home value in ZIP 38105?
What county is ZIP code 38105 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$301. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 38105 is part of Shelby County, Tennessee. View the full county profile for broader context and more data.
View Shelby County on TaxByCounty →Explore Memphis, TN
View all 25 ZIP codes in Memphis with property tax comparisons.
View Memphis Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 38105
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
38125
Memphis, TN
0.14 percentage points lower than ZIP 38105.
Rate
0.89%
Tax
$2,048
Quality
94
38135
Memphis, TN
0.09 percentage points lower than ZIP 38105.
Rate
0.94%
Tax
$2,550
Quality
94
38112
Memphis, TN
0.05 percentage points lower than ZIP 38105.
Rate
0.98%
Tax
$2,018
Quality
89
38053
Millington, TN
0.22 percentage points lower than ZIP 38105.
Rate
0.81%
Tax
$1,583
Quality
82
38002
Arlington, TN
0.15 percentage points lower than ZIP 38105.
Rate
0.88%
Tax
$3,200
Quality
82
38017
Collierville, TN
0.06 percentage points lower than ZIP 38105.
Rate
0.97%
Tax
$4,544
Quality
82
38139
Germantown, TN
0.03 percentage points lower than ZIP 38105.
Rate
1.00%
Tax
$5,409
Quality
89
38016
Cordova, TN
0.02 percentage points lower than ZIP 38105.
Rate
1.01%
Tax
$2,631
Quality
89
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.