Atoka, Tennessee

Area Profile

10,385 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Atoka, in Tipton County.

68out of 100
Area Score
Top 24% of 2,944 profiles measured

How we calculate this

How this area ranks
OpportunityTop 45% of 3,904 cities measured58
GrowthTop 33% of 2,973 cities measured60
Housing affordabilityTop 23% of 4,223 cities measured94
Climate2515th of 4,223 cities measured68
Physical resilienceTop 50% of 4,182 cities measured59
AccessTop 19% of 4,226 cities measured98
Economic stabilityTop 28% of 4,226 cities measured70
The quick read

Unemployment is 4.0% and median household income $89,663, putting employment conditions in the middle range of published city profiles.

38 housing units were authorized over the past twelve months, within 3% of the prior year — steady rather than turning.

A major airport is 7 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
10,385
2024 ACS 5-Year
Median household income
$89,663
Top 25% nationally
Density
856/sq mi
12.1 sq mi of land
Median age
39.1
2024 ACS 5-Year
County
Tipton County
Tennessee
Metro area
Memphis, TN-MS-AR
Nearest major airport
NQA
7 mi · Millington/Memphis
Median home value
$320,700
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.0% is lower than 62% of the 3,904 measured US cities.

Employment fell 1.4% over the past year, to 26,939 employed residents.

35% of adults hold a four-year degree, higher than 76% of measured US cities.

MetricValueCompared nationallySource period
Median household income ±$13,565$89,663Top 25%of 29,5732024 ACS 5-Year
Per capita income ±$4,501$41,219Top 30%of 31,4202024 ACS 5-Year
Poverty rate7.0%Bottom 33%of 31,9002024 ACS 5-Year
Average commute38.3 minTop 10%of 31,5432024 ACS 5-Year
Bachelor's degree or higher35.2%Top 24%of 31,9192024 ACS 5-Year
Employment26,939Bottom 34%of 3,904June 2026
Employment change (3 years)-0.6%Bottom 40%of 3,903June 2026
Employment change (year over year)-1.4%Bottom 38%of 3,904June 2026
Labor force28,053Bottom 34%of 3,904June 2026
Labor force participation64.2%Top 37%of 31,9332024 ACS 5-Year
Mean annual wage$60,240Bottom 15%of 3,6582025 OEWS
Median annual wage$46,890Bottom 15%of 3,6582025 OEWS
Unemployment change (year over year)-0.3%Bottom 30%of 3,904June 2026
Unemployment rate4.0%Bottom 38%of 3,904June 2026
Median household income, successive ACS releases
202120222023202490k84k
Each point is a separate five-year estimate, most recently $89,663 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Memphis, TN-MS-AR
OccupationPeople employedMedian annual wage
Laborers and Freight, Stock, and Material Movers, Hand37,750$39,510
Heavy and Tractor-Trailer Truck Drivers19,460$63,070
Retail Salespersons17,050$32,580
Fast Food and Counter Workers15,320$27,490
Registered Nurses13,760$81,500
Stockers and Order Fillers12,200$37,280

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Tipton County, TN, which contains this city.

Public schools
1
2024-25 school year
Students per teacher
Math proficiency
2019-20 school year
Reading proficiency
2019-20 school year
SchoolDistrictStudentsPer teacherMathReading
Atoka Elementary SchoolTipton County82674%51%

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Tennessee’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,237 takes 17% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.6 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
16.6%
Below the 30% cost-burdened threshold
Home price to income
3.6×
median home value ÷ median income
Median gross rent
$1,237
2024 ACS 5-Year
Median home value
$320,700
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.58Top 34%of 28,4732024 ACS 5-Year
Homeownership rate85.1%Top 31%of 31,8432024 ACS 5-Year
Housing units ±2933,825Top 14%of 32,3302024 ACS 5-Year
Median gross rent ±$171$1,237Top 31%of 23,4322024 ACS 5-Year
Median home value ±$18,264$320,700Top 26%of 29,3422024 ACS 5-Year
Rent as a share of income16.6%Bottom 35%of 23,2012024 ACS 5-Year
Vacancy rate1.4%Bottom 14%of 32,0012024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
60/ 100
Top 33% of 2,973 published city profiles
Permitting is decreasing, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 6% since 2020, reaching 10,624 in 2024.

Permitting has turned downward after moving the other way the year before.

Population is still rising, but more slowly than in the preceding year.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 3.7 permitted units per 1,000 residents, building activity is above the median for measured US cities.

Units permitted
38
12 months ending July 2026
Per 1,000 residents
3.7
Top 38% nationally
Year over year
−3%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202411k10k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
202020222023202420258537
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2020 (−56%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 92°F and January a low of 33°F.

Normal annual precipitation is 54.9 inches, including 2.7 inches of snow.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station MEMPHIS INTL AP, 28.0 miles from this location.
Precipitation
JFMAMJJASOND5.9"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation54.9"1991-2020 Normals
Annual snowfall2.7"1991-2020 Normals
Average January low33°F1991-2020 Normals
Average July high92°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing41°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

59 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake and landslide.

EarthquakeModerate
LandslideModerate

Low or minimal exposure: tornado, heat wave, ice storm, cold wave, lightning, inland flooding, drought, strong wind, hurricane, wildfire, winter weather, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Tipton County records 10.8 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 21.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 22.6 per 100,000 residents in Tipton County.

Homicide
10.8
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
21.0
per 100,000 residents · under 10 deaths
Drug overdose
22.6
per 100,000 residents · under 10 deaths
Suicide
17.7
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Tipton County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Atoka rather than Atoka itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

4 major airports lie within 100 miles, the nearest 7 miles away.

AirportCodeDistanceLongest runway
Millington/MemphisNQA7 mi8,001 ft
Frederick W Smith Intl/MemphisMEM29 mi11,120 ft
Arkansas IntlBYH38 mi11,602 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

Customize your score

What matters to you?

Choose what you weight most heavily. Nothing is saved to an account — your preferences stay in this browser, and the Area Score never changes.

Area Score
68
Your Score

Select one or more priorities to see how this location scores against them.

Other cities in Memphis, TN-MS-AR

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
MemphisShelby County618,980vs Atoka
BartlettShelby County56,87660vs Atoka
SouthavenDeSoto County56,22661vs Atoka
ColliervilleShelby County51,51572vs Atoka
Olive BranchDeSoto County47,01970vs Atoka
GermantownShelby County40,673vs Atoka
Horn LakeDeSoto County26,64752vs Atoka
West MemphisCrittenden County23,92951vs Atoka
HernandoDeSoto County17,94969vs Atoka
ArlingtonShelby County15,205vs Atoka
LakelandShelby County14,192vs Atoka
MarionCrittenden County13,62360vs Atoka

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

Put Atoka side by side with a similar place.

Atoka vs GardendaleAtoka vs Olive BranchAtoka vs HernandoAtoka vs Yukon

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Atoka

1 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
3800412,001$92,92869