Atoka, TN housing market
The typical Atoka home is worth about $351,000, up 0.9% in a year, 5% above the Tennessee typical home. Homes typically sell in 27 days, close to asking.
Home values, sales, trends and how Atoka compares with the towns next door — updated as new data is published.
Atoka at a glance
A seller's market
Supply is tight — about 3.1 months of homes for sale at the current pace. Buyers should expect competition on well-priced homes.
Typical home value, 2016–2026
Show as a table
| January | Atoka | Tennessee |
|---|---|---|
| 2017 | $188,000 | $174,000 |
| 2018 | $197,000 | $187,000 |
| 2019 | $210,000 | $198,000 |
| 2020 | $227,000 | $215,000 |
| 2021 | $252,000 | $238,000 |
| 2022 | $298,000 | $287,000 |
| 2023 | $323,000 | $313,000 |
| 2024 | $336,000 | $326,000 |
| 2025 | $346,000 | $334,000 |
| 2026 | $351,000 | $333,000 |
| August 2026 | $351,000 | $334,000 |
37 new homes permitted in 2025
Builders were permitted 37 new homes in Atoka in 2025, all single-family houses, worth about $7.2 million to build. That's 3.6 per 1,000 residents, slower than across Tennessee (7.8). Over the past 10 years, Atoka has permitted 615 homes in all.
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Atoka gained 1,621 residents while 524 new homes were permitted: about 3.1 new residents per new home. Building and growth moved roughly in step. Across Tennessee: 2 new residents per new home.
How Atoka ranks on housing keeping up with growth →
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 27 | 27 | 0 | $5.3 million |
| 2025 | 37 | 37 | 0 | $7.2 million |
| 2024 | 41 | 41 | 0 | $7.9 million |
| 2023 | 37 | 37 | 0 | $7.4 million |
| 2022 | 47 | 47 | 0 | $8.2 million |
| 2021 | 96 | 96 | 0 | $12.7 million |
| 2020 | 85 | 85 | 0 | $11.3 million |
| 2019 | 73 | 73 | 0 | $9.7 million |
| 2018 | 69 | 69 | 0 | $9.1 million |
| 2017 | 67 | 67 | 0 | $8.9 million |
| 2016 | 63 | 63 | 0 | $8.3 million |
| 2015 | 53 | 53 | 0 | $7.1 million |
| 2014 | 47 | 47 | 0 | $6.3 million |
| 2013 | 47 | 47 | 0 | $6.3 million |
| 2012 | 41 | 41 | 0 | $5.5 million |
| 2011 | 29 | 29 | 0 | $4 million |
| 2010 | 35 | 35 | 0 | $3.9 million |
| 2009 | 227 | 47 | 180 | $21 million |
| 2008 | 60 | 60 | 0 | $8.5 million |
| 2007 | 148 | 148 | 0 | $20.6 million |
| 2006 | 188 | 188 | 0 | $25.4 million |
| 2005 | 248 | 248 | 0 | $35.3 million |
| 2004 | 276 | 276 | 0 | $35.3 million |
| 2003 | 193 | 193 | 0 | $25.2 million |
| 2002 | 150 | 150 | 0 | $18 million |
| 2001 | 170 | 170 | 0 | $22 million |
| 2000 | 142 | 142 | 0 | $17.3 million |
Atoka's permit office didn't report to the Census in 2025, so the 2025 figures are Census estimates.
How Atoka ranks on new homes being built →
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
Atoka and its neighbors
3.9 years of income
The typical Atoka home costs about 3.9 years of the town's median household income, less than across Tennessee (4.8 years).
How Atoka ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,460
HUD's Fair Market Rent for a two-bedroom in Atoka is $1,460 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Atoka pay a median of $1,237, so moving in tends to cost more than staying put. A two-bedroom takes about 20% of the town's median household income.
Studio $1,220 · 4 bedrooms $2,250
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (38004, 38053; Memphis, TN-MS-AR HUD Metro FMR Area), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Recent listings in Atoka
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.