Living in Memphis, TN

Safety is something you'll want to plan around in Memphis. The violent crime index is 177, well above the national average of 100, and property crime sits at 158. This doesn't mean every part of the city is risky — many neighborhoods have strong community watch programs and low incident rates. But you absolutely need to research specific areas, invest in good locks and security, and be deliberate about where you choose to live. Source: FBI Uniform Crime Report.

Most households manage fine. Median rent in Memphis is $1,123/month, and the typical household pulls in $51,211/year — a 26.3% rent-to-income ratio. That's under the 30% threshold where housing costs start to pinch, though not by a huge margin. If you're a single earner or have significant debt payments, run your own numbers carefully. For dual-income households, the math works out comfortably. Census ACS 2023.

Most people in Memphis are at work within 20 minutes — a pretty reasonable commute by American standards. The breakdown: 77.8% drive alone, 0.8% take public transit, and 8.0% work from home. Rush hour adds time, obviously, but the baseline is manageable.

Not particularly. The climate risk score is 38/100, which puts Memphis in the low-risk tier. Flood, Heat Wave, and Tornado are the most relevant hazards, but none of them are frequent concerns. Standard insurance should have you covered. It's one less thing to worry about if you're comparing this city to higher-risk metros along the coast or in tornado alley. Data from FEMA disaster declarations and NOAA.

The numbers suggest some caution. Memphis's graduation rate is 72.0% with a 16:1 student-teacher ratio — both below where most parents would feel comfortable. That said, there are standout public schools, active magnet programs, and charter options that families swear by. If education is a priority, you'll want to target specific schools and be willing to live in their attendance zones. Don't write off the whole city based on averages.

About what you'd expect anywhere. The average monthly utility bill in Memphis runs around $226 for electricity, gas, water, and sewer combined. The national average is $230, so you're right in line. Your actual bill depends on home size, insulation quality, and how much you run the AC or heater — but no surprises here.

Good, overall. The median AQI sits at 48, which falls within the EPA's "Good" category, and Memphis logs 242 clean-air days annually. PM2.5 is the main pollutant. Occasional spikes happen — wildfire smoke, temperature inversions, or high-ozone days — but they're the exception, not the rule. Check AirNow.gov during allergy season or summer heat waves.

Roughly in the middle of the pack. Memphis's combined effective rate is about 11.1%, covering income, property, and sales taxes. The sales tax is 9.8%. You won't be shocked by your first tax bill, but you won't be celebrating either. Cross-state movers should compare their current and future take-home pay before making assumptions.

Yes. Memphis's water system scores 91/100 in our analysis — zero health-based violations on record, and the lead risk rating is "low." It meets or exceeds all EPA standards. You can fill a glass from the faucet without thinking twice. A basic pitcher filter can improve taste if you're particular, but it's not a safety concern.

Everything on this page is built from public government sources: rent and income figures from the Census Bureau's American Community Survey (ACS 5-Year Estimates, 2023); commute and transportation data from Census ACS tables B08303 and B08006; crime rates from the FBI Uniform Crime Report; climate risk assessments using FEMA disaster declarations and NOAA storm records; air quality measurements from the EPA's Air Quality System database; water quality compliance data from EPA records and the EWG Tap Water Database; school data from the National Center for Education Statistics; utility cost estimates from the U.S. Energy Information Administration. We refresh each dataset monthly through an automated pipeline and cross-check for anomalies. No surveys, no user-submitted guesses — just official federal data presented in a way that's actually useful for people researching a move.