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Living in
Atoka.
About
Life in Atoka
Atoka is a community of 10,237 people in Tennessee. The median household income is $89,663, median rent runs about $1,237 per month, and median home values are around $320,700. Unemployment is low at 3.7%, suggesting a relatively healthy local job market.
Atoka at a Glance
Population, income, housing and more
Median Age
39.1 yrs
Poverty Rate
7.0%
Foreign-Born
1.1%
Broadband Internet
95.5%
of households
Population Growth
+6.3%
recent change · Census Bureau
Median household income
Demographics1.1% foreign-born, most often from Japan
Who lives in Atoka: race and ethnicity, ages, households, languages and countries of origin
In Atoka, the largest foreign-born group is from Japan (57.5%), and 1.1% of residents speak Spanish at home.
Under 18
22.8%
of residents
65 and Older
12.2%
of residents
Households with Kids
40.6%
anyone under 18
Living Alone
21.9%
of households
Married Couples
62.1%
of households
Avg Household Size
2.75
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent about average for TN
Rent, home values, and income in Atoka
In Atoka, home values are 12% above the TN average.
Median rent (per month)
Median home value
Rent Burdened
24.0%
spending 30%+ of income on rent
Severely Rent Burdened
12.1%
spending 50%+
Cost of Living Index
92.2
metro area (BEA) · US avg = 100
Median Property Tax
$1,688
per year, owner-occupied homes
Homeowners
85.1%
of occupied homes are owned
Typical Home Built
2002
median year built
Vacant Homes
1.4%
of housing units
Home Value Trend
Latest: $348,092 (September 2026)
Jobs & Economyunemployment about average for TN
Unemployment in Atoka
Unemployment in Tipton County, which includes Atoka, is close to the TN average.
Unemployment rate
Atoka: Tipton County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Tipton County (county-wide) · Annual averages
What Atoka Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute36.2 min avg
How Atoka residents get to work, and the nearest airports
In Atoka, most residents drive alone to work (79%), and 35% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 30 mi
Frederick W. Smith International Airport (MEM)
Small hub2.4M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 44% below national average
Crime rates for 2025
Violent crime in Atoka runs 44% below the national average.
Violent Crime Rate
185.7
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
417.9
per 100,000 residents
Below average (1,552 national, 2025)
Atoka Police Department
Natural DisastersHeat most common — 28 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
81.0 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Tipton County, county-wide · FEMA NRI December 2025
In Tipton County, which includes Atoka, the most common type is heat, with 28 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 28 | Heat | $5.0M |
| 2024 | 19 | Excessive Heat | $1,000 |
| 2023 | 27 | Thunderstorm Wind | $80.5M |
| 2022 | 23 | Heat | $60,000 |
| 2021 | 13 | Heat | $200,000 |
| 2020 | 4 | Heat | $15,000 |
| 2019 | 11 | Heat | $65,000 |
| 2018 | 14 | Heat | $10,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
8 earthquakes of magnitude 2.5+ within 100 miles in the past year
Tipton County, county-wide
Air Quality47 median AQI — Good
Days by air quality category (2025)
Air quality in Shelby County, TN (the nearest EPA-monitored county, about 18 miles from Atoka) is typically good — 220 good-air days per year.
Median AQI
47
Good Days
220
per year
Moderate Days
140
per year
Unhealthy Days
0
per year
Nearest EPA monitor county: Shelby County, TN (18 mi away)
Climate88°F summers, 31°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Atoka has warm summers (avg high 88°F) and cold winters (avg low 31°F).
Spring (Mar–May)
70°/49°F
avg high / low
Summer (Jun–Aug)
88°/67°F
avg high / low
Fall (Sep–Nov)
72°/49°F
avg high / low
Winter (Dec–Feb)
49°/31°F
avg high / low
Annual Precipitation
56.6"
Annual Snowfall
2.4"
Hot Days/Year
49
days above 90°F
Freeze Days/Year
70
days below 32°F
Rainy Days/Year
99
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 46°F | 29°F | 4.36" |
| Feb | 51°F | 32°F | 4.64" |
| Mar | 60°F | 40°F | 5.26" |
| Apr | 70°F | 48°F | 5.34" |
| May | 79°F | 58°F | 5.84" |
| Jun | 86°F | 66°F | 4.27" |
| Jul | 89°F | 69°F | 4.37" |
| Aug | 88°F | 67°F | 3.58" |
| Sep | 83°F | 60°F | 3.58" |
| Oct | 72°F | 49°F | 3.79" |
| Nov | 60°F | 39°F | 4.92" |
| Dec | 50°F | 32°F | 5.82" |
Healthcare
Hospitals, ratings, and health insurance in Atoka
Uninsured
6.3%
of residents
No hospitals inside Atoka's limits — nearest hospitals · within 15 miles
Baptist Memorial Hospital Tipton
Acute Care Hospitals · ER available · 9.8 mi away · Covington
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education17.0:1 student/teacher ratio
Schools and degree attainment in Atoka
Atoka's student/teacher ratio is 17.0:1 (higher than the national average of 16:1), and 35.2% of adults 25+ hold a bachelor's degree or higher.
Public Schools
1
within city limits
Private Schools
0
within city limits
College Degree Rate
35.2%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
17.0:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Parks & Recreationclosest: Trail Of Tears National Historic Trail, 44 mi
Nearby national parks, recreation areas and public libraries for Atoka
Atoka has 5 nearby national parks or recreation areas, closest being Trail Of Tears National Historic Trail (44 mi away).
Nearby National Parks & Recreation Areas
Trail Of Tears National Historic Trail
National Historic Trail
44 mi awayShiloh National Military Park
National Military Park
84 mi awayBrices Cross Roads National Battlefield Site
National Battlefield Site
87 mi awayNatchez Trace National Scenic Trail
National Scenic Trail
97 mi awayTupelo National Battlefield
National Battlefield
100 mi awayCities Near Atoka
The closest cities within 60 miles
Planning a move to Atoka?
Read our full moving guide — what it's really like to live here.
Atoka FAQ
Is Atoka, Tennessee affordable?⌄
Atoka's median rent is $1,237/month, which is below the national average, making it relatively affordable. The median household income is $89,663/year. Median home value is $320,700.
Is Atoka, Tennessee safe?⌄
Atoka's violent crime rate was 186 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 418 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Atoka, Tennessee?⌄
Tipton County, which includes Atoka, has an unemployment rate of 3.8%, which is close to the national average of 4.3%.
What is the cost of living in Atoka, Tennessee?⌄
The cost of living in Atoka is primarily driven by housing. Median rent is $1,237/month and median household income is $89,663/year. The median home value is $320,700. About 24% of renters spend more than 30% of their income on housing.
How is the commute in Atoka, Tennessee?⌄
The average commute in Atoka is 36 minutes, which is longer than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from