Cost of Living in Atoka, TN
Population 10,237 · Tennessee · Data vintage 2023
(100 = US avg)
Under 25,000 residents gives Atoka a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $284,000. At 8.7%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Geographically, Atoka sits roughly 25 miles northeast of Memphis. Median home values run roughly 80% higher than Memphis' $157,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Atoka
The median home value in Atoka is $283,500 — 7% below the national median of $305,000. Median rent runs $1,279/month, 3% lower than the national median of $1,314/month. The median household income of $86,922/year is 17% higher than the US median of $74,580. The local unemployment rate is 8.7%, above the national average of 4.8%. Tennessee charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 73.0°F and lows of 53.8°F, with about 2.7" of annual snowfall. Overall, Atoka has a cost of living index of 95 versus the US average of 100, meaning it is 5% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 51 | 56 | 64 | 73 | 82 | 89 | 92 | 92 | 86 | 75 | 63 | 53 |
| Low °F | 33 | 37 | 44 | 53 | 62 | 70 | 74 | 73 | 66 | 54 | 43 | 36 |
| Precip" | 4.14 | 4.55 | 5.74 | 5.87 | 5.27 | 3.99 | 4.82 | 3.37 | 3.03 | 3.98 | 4.69 | 5.49 |
| Snow" | 0.9 | 1.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.2 |
Frequently Asked Questions
What is the cost of living in Atoka, TN?
Atoka has a cost index of 95 (100 = national average). It is 5% below the national average.
What is average rent in Atoka, TN?
The median gross rent in Atoka is $1,279 per month based on 2023 Census data.
What is the average home price in Atoka?
The median home value in Atoka is $283,500 according to Zillow and Census data.
What is the median income in Atoka?
The median household income in Atoka is $86,922 per year (2023 ACS 5-year estimates).
What is the sales tax in Atoka, TN?
The combined state and local sales tax rate in Atoka is 9.6%. Tennessee has no state income tax.
Is Atoka, TN affordable?
Atoka is near the national average in terms of cost of living, with an index of 95 (100 = US average).
What is the weather like in Atoka?
Atoka has average high temperatures of 73.0°F and average lows of 53.8°F. Annual precipitation is 54.9". Average annual snowfall is 2.7". Data from NOAA 1991–2020 Climate Normals.
Atoka at a Glance
- Population
- 10,237
- Median Income
- $86,922
- Home Value
- $283,500
- Median Rent
- $1,279/mo
- Unemployment
- 8.7%
- Avg High Temp
- 73.0°F
- Sales Tax
- 9.6%
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