Atoka, Tennessee.
Typical home $348,092 (+0.3% in a year), asking rent $1,350 . Memphis, TN-MS-AR metro.
to buy the typical home at today's mortgage rate — +$1,006 (+123%) since Jan 2020.
- 1 year
- Up $1,052 +0%
- $347,040$348,092 since Sep 2025
- 5 years
- Up $68,866 +25%
- $279,226$348,092 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Atoka$1,827
- Tennessee$1,737
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Atoka, TN rose 0.3% over the past year — slower than the nation's +1.2%.
Living in Atoka, Tipton County, Tennessee
Atoka is a town of 10,008 people in Tipton County. Half its households earn more than $89,663 a year and half less, against $74,127 across Tipton County; 7% of its people live below the poverty line. 85% of its homes are lived in by their owners and 15% are rented. Unemployment in Tipton County was 3.9% in August 2026, and the county had 0.6% more jobs in 2025 than the year before. The most residents work in government, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Atoka is a town where nearly everyone owns the home they live in, and household incomes run well above the county's. Residents are about the age of the typical American, and a good share of adults have a four-year degree. Winters are mild and cool rather than harsh, with a little snow, and summers are hot and rainy through the year.
Work. Many residents work in government, in schools, hospitals and social care, in shops, and in professional and business services. Across Tipton County, the largest workplaces include Tipton County Schools, Unilever Manufacturing (US), and Baptist MEM Hospital Tipton County. Commutes are fairly long, and a good number of people work from home.
Things to do. Most outings mean a longer drive, and the nearby places are mostly in the Memphis area. The Memphis Zoo is the best-known family stop, the National Civil Rights Museum is a museum of national importance, and Meeman-Shelby Forest State Park offers a protected area for walking and time outdoors.
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- 3,770households
- 35%of adults have a degree
- 7%below the poverty line
- 36 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Tipton County had 11,924 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 28°; warmest in July, with highs near 89° and lows near 69°. About 2 inches of snow and 56 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Covington Southwest weather station, 10 miles away (NOAA).
Largest workplaces in Tipton County
- Tipton County SchoolsSchool district1,557FTE
- Unilever Manufacturing (US)Ice cream manufacturing760
- Jay-Ton ConstructionFoundation, building, poured concrete, contractors553
- CharmsConfectionery, nonchocolate, manufacturing413
- Baptist MEM Hospital Tipton CountyGeneral hospital411FTE
- WalmartWarehouse clubs and supercenters327
- Industrial PaintingPainting contractors269
- United States Cold StorageRefrigerated warehouse and storage178
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 21 workplaces with 20 or more staff, 3,415 people in all across the county; Atoka has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- Ice stormsRelatively high
- LightningRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- EarthquakesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Atoka’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Tipton County and the Memphis, TN-MS-AR metro.
Atoka home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Atoka$348,092
- Tennessee$330,844
- United States$366,157
Sellers are cutting prices on about 1 in 3 Atoka listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Atoka35.44%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Atoka56
New listings per month
Sellers arriving at the market.
- Atoka14
Zip codes with a Atoka address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Atoka — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.