Housing data for Atoka, TN
Atoka, TN has an estimated 10,385 residents and 3,825 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Tipton County.
14.9% of households rent.
The median gross rent is $1,237 a month.
Its population grew measurably since 2015–2019 (+12.4%).
Figures last updated on .
- Residents
- 10,385 (±24)
- Housing units
- 3,825 (±293)
- Households that rent
- 14.9%
- Median gross rent
- $1,237
- Residents since 2015–2019
- +12.4%
What stands out in Atoka
Homes built before 1980: 8.1% (±4.0 points) in Atoka, lower than in Tipton County (30.5%).
Median real estate taxes: $1,688 (±$142) in Atoka, higher than in Tipton County ($1,211).
Median home value: $320,700 (±$18,264) in Atoka, higher than in Tipton County ($240,600).
Households that rent: 14.9% (±4.9 points) in Atoka, lower than in Tipton County (23.7%).
Housing in Atoka at a glance
- Median rent: $1,237 median gross rent a month
- Rent by bedrooms: $921 median gross rent, 2 bedrooms (Small sample: wide margin of error)
- Rent burden: 25.3% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 14.9% of households rent
- Income and affordability: $89,663 median household income
- Home values: $320,700 median home value
- Homeowner costs: $1,708 median monthly cost with a mortgage
- Property taxes: $1,688 median real estate taxes a year
- Types of homes: 3.9% of homes are in buildings of 5 or more units
- Bedrooms: 88.1% of homes have 3 or more bedrooms
- Age of homes: 8.1% of homes were built before 1980 (Small sample: wide margin of error)
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 71.0% heat with utility gas
- Commute and cars: 36.2 minutes average trip to work
- Crime reported to police: 186 violent crimes per 100,000 residents
- Growth: +12.4% residents since 2015–2019
- How long people stay: 22.6% moved in since 2020
- Crowding and facilities: 1.0% of homes have more than 1 person per room
- Fair Market Rent: $1,420 Small Area FMR, 2 bedrooms (ZIP 38004)
Atoka against Tipton County, its state and the nation
| Atoka | Tipton County | Tennessee | United States | |
|---|---|---|---|---|
| Residents | 10,385 (±24) | 61,553 (exact) | 7,066,383 (exact) | 334,922,499 |
| Housing units | 3,825 (±293) | 24,417 (±55) | 3,143,670 (±903) | 143,775,355 |
| Households that rent | 14.9% (±4.9 points) | 23.7% (±2.2 points) | 33.1% (±0.3 points) | 34.8% |
| Median gross rent | $1,237 (±$171) | $1,013 (±$55) | $1,189 (±$7) | $1,413 |
| Median household income | $89,663 (±$13,565) | $74,127 (±$2,721) | $69,595 (±$429) | $80,734 |
| Median home value | $320,700 (±$18,264) | $240,600 (±$7,437) | $286,700 (±$1,492) | $332,700 |
| Median real estate taxes (a year) | $1,688 (±$142) | $1,211 (±$43) | $1,442 (±$8) | $3,119 |
| Built before 1980 | 8.1% (±4.0 points) | 30.5% (±2.7 points) | 40.7% (±0.3 points) | 49.7% |
| Average commute | 36.2 minutes (±4.0) | 32.9 minutes (±1.5) | 25.7 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 95.5% (±3.7 points) | 88.4% (±1.7 points) | 89.2% (±0.2 points) | 91.0% |
| Median age of residents | 39.1 years (±2.6) | 39.0 years (±0.7) | 38.9 years (±0.1) | 38.9 years |
Atoka covers 12.1 square miles of land, about 856 residents per square mile (Census Bureau Gazetteer).
How Atoka has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 9,241 (±30) | 10,385 (±24) | +12.4% | Measurable increase |
| Housing units | 3,160 (±213) | 3,825 (±293) | +21.0% | Measurable increase |
| Median gross rent | $1,186 (±$70) | $1,237 (±$171) | +4.3% | Down after inflation |
| Median home value | $195,200 (±$11,165) | $320,700 (±$18,264) | +64.3% | Up after inflation |
| Median household income | $91,687 (±$5,929) | $89,663 (±$13,565) | −2.2% | Down after inflation |
| Median owner cost with a mortgage | $1,541 (±$87) | $1,708 (±$111) | +10.8% | Down after inflation |
| Median real estate taxes | $1,344 (±$91) | $1,688 (±$142) | +25.6% | No measurable change after inflation |
| Households that rent | 18.5% (±4.9 points) | 14.9% (±4.9 points) | −3.6 percentage points | Not a measurable change |
| Rental vacancy rate | 11.6% (±10.9 points) | 0.0% (±7.7 points) | −11.6 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Atoka
In 2025, the Atoka Police Department reported 186 violent and 418 property crimes per 100,000 residents to the FBI.
Across Tipton County, the departments that report recorded 382 violent and 781 property crimes per 100,000 residents that year.
ZIP codes in Atoka
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 38004 | 43% | 12,001 | $1,243 | $320,900 | $92,928 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Atoka
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Munford | 2.1 mi | $1,176 | $244,400 | 19.6% |
| Brighton | 4.7 mi | $1,204 | $214,100 | 21.6% |
| Gilt Edge | 7.9 mi | $1,000 | $192,600 | 30.9% |
| Burlison | 9.1 mi | $888 | $172,700 | 40.7% |
| Millington | 9.1 mi | $1,111 | $207,300 | 42.2% |
| Garland | 11 mi | $880 | $234,200 | 23.1% |
| Lakeland | 12 mi | $1,755 | $388,900 | 20.8% |
| Gallaway | 12 mi | $455 | $184,400 | 60.6% |
Places in Tennessee most like Atoka
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Cross Plains | $1,153 | $320,400 | $76,319 | 17.0% |
| Fairview | $1,301 | $390,200 | $91,131 | 23.1% |
| Munford | $1,176 | $244,400 | $89,531 | 19.6% |
| White House | $1,426 | $344,800 | $90,019 | 24.1% |
| Blaine | $1,008 | $297,400 | $77,092 | 23.3% |
| Brighton | $1,204 | $214,100 | $80,882 | 21.6% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Tennessee.
HUD Fair Market Rent for Atoka, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $1,095 | $1,191 | $1,301 | $1,717 | $1,981 |
HUD also publishes a Small Area Fair Market Rent for each ZIP code in the area; the Fair Market Rent page for this place lists its ZIP codes.
HUD income limits for Atoka, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $19,500 | $32,450 | $51,950 |
| 2 people | $22,250 | $37,100 | $59,350 |
| 3 people | $27,320 | $41,750 | $66,750 |
| 4 people | $33,000 | $46,350 | $74,150 |
| 5 people | $38,680 | $50,100 | $80,100 |
| 6 people | $44,360 | $53,800 | $86,050 |
| 7 people | $50,040 | $57,500 | $91,950 |
| 8 people | $55,720 | $61,200 | $97,900 |
These are the limits HUD sets for its housing programs in the Memphis, TN-MS-AR HUD Metro FMR Area, where HUD’s median family income for fiscal year 2026 is $92,700.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Atoka
What is the average rent in Atoka, TN?
The Census Bureau publishes the median rather than the average: the median gross rent in Atoka is $1,237 (±$171) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How many renters are there in Atoka?
Atoka has an estimated 563 (±189) renting households, 14.9% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Atoka?
The median household income in Atoka is $89,663 (±$13,565) a year (2020–2024 American Community Survey).
What is the average home value in Atoka, TN?
The Census Bureau publishes the median: $320,700 (±$18,264) for owner-occupied homes in Atoka (2020–2024 American Community Survey).
What is the average mortgage payment in Atoka?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Atoka, TN is $1,708 (±$111) a month, including taxes, insurance and utilities.
How much are property taxes in Atoka?
The median real estate tax paid by homeowners in Atoka, TN is $1,688 (±$142) a year (2020–2024 American Community Survey).
Is Atoka growing?
In Atoka, the number of residents went from 9,241 in 2015–2019 to 10,385 in 2020–2024 (+12.4%), a measurable increase.
What ZIP codes are in Atoka?
The ZIP code that covers Atoka is 38004.
What is the median rent in ZIP code 38004?
The median gross rent in ZIP Code Tabulation Area 38004 is $1,243 (±$159) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Atoka town, Tennessee
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Atoka town, Tennessee
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Atoka town, Tennessee
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Atoka town, Tennessee
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Atoka town, Tennessee
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Atoka town, Tennessee
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Atoka town, Tennessee
- HUD Fair Market Rents, fiscal year 2027: Memphis, TN-MS-AR HUD Metro FMR Area
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Memphis, TN-MS-AR HUD Metro FMR Area
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Atoka Police Department (ORI TN0840500)
- FBI: Uniform Crime Reporting statistics and their proper use
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Atoka town, Tennessee (place:02340, in state:47).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .