Mold Removal Cost And Risk In ZIP 38105, Memphis TN

A typical professional mold job in ZIP 38105, Memphis runs about $1,400 to $5,550 before rebuild. Half the homes here were built before 1968, older than the Shelby County median of 1977.

1968Median year homes were built

66%Homes built before 1980

87%Homes rented, not owned

$75,400Median home value

$928Median gross rent

4,145Housing units

Neighborhood figures for ZIP Code Tabulation Area 38105 from Census ACS 2019 to 2023. Remediation pay in this metro is $23.30 an hour, BLS May 2025 wage survey.

66 percent of homes in 38105 went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out.

Most homes here are rented, 87 percent against 45 percent across Shelby County. A renter's policy covers belongings and liability, while the owner's policy covers the building.

The top of a typical mold job here, $5,550, is about 7.4 percent of the median home value of $75,400.

Typical Prices In 38105

JobSizeNational Range38105 Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,400 to $5,550
Mold Remediationan attic$2,000 to $7,500$1,850 to $6,900
Mold Inspection and Testinga visual inspection$200 to $600$200 to $550
Mold Inspection and Testingan inspection with samples$300 to $1,000$300 to $900
Mold Inspection and Testinga clearance test$300 to $800$300 to $750

Estimate is the national range times 92.2 divided by 100, the price level for Memphis, TN-MS-AR, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,550, that cap falls short by about $550 at the top of that range. Read the form

Water Hazards FEMA Rates For Shelby County

FEMA rates Shelby County high for inland flooding, cold wave, winter weather. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

HazardFEMA Risk Rating
Inland floodingRelatively High
Coastal floodingNot Applicable
HurricaneRelatively Low
Cold waveVery High
Winter weatherRelatively High

Source FEMA National Risk Index, December 2025, county level.

Tennessee Rules On Mold

Who May Do Mold Work

Tennessee has no stand alone mold inspector license. Instead, the Board for Licensing Contractors has a Mold Remediation classification on its contractor license. Tennessee requires a contractor license for jobs of $25,000 or more, so a large mold job should go to a company licensed in that classification.

State law does not bar one company from both inspecting and remediating the same job, so hiring an independent inspector is your own choice. You can check a contractor’s license and classification on the state’s online license lookup.

Tennessee Board for Licensing Contractors

Nearby ZIP Codes In Shelby County

Part of Memphis, Shelby County, Tennessee.

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38105, TN Area

Memphis, Shelby County