Market Overview
Home Prices in Atoka, TN
The median home value in Atoka, TN is $355,531 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.4% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Atoka are priced13% below average. Atoka is part of the Memphis, TN-MS-AR metro area.
Over the past five years, Atoka home values have risen by approximately30.2%, reflecting strong long-term appreciation in this market.
Price History
Atoka Home Price Trend
City Comparison
Atoka vs. National Median
At $355,531, homes in Atoka cost 13% below the national median of $410,000. This makes Atoka a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Atoka?
20% Down Payment
$71,106
on $355,531
Monthly P&I
$1,854/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,355/mo
incl. taxes & insurance
Income Needed
$94,200
gross annual (30% rule)
10% Down Option
$35,553
+ PMI applies
Loan Amount (20% dn)
$284,425
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Atoka, TN?
The median home value in Atoka is $355,531 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.4% year-over-year.
How much have home prices changed in Atoka?
Over the past year, home values in Atoka have increased by 1.4%. Over five years, prices have risen approximately 30.2%.
How much do I need to earn to buy a home in Atoka?
To comfortably afford the median home price of $355,531 with a 20% down payment ($71,106) at today's rates (6.8%), you'd need a gross annual income of approximately $94,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Atoka compare to the national average home price?
The national median home value is approximately $410,000. At $355,531, homes in Atoka are 13% below the national average.
What metro area is Atoka part of?
Atoka is part of the Memphis, TN-MS-AR metropolitan area. Home prices and market conditions can vary across the broader metro region.