salaryRent is lower than in 66% of U.S. cities. A typical house costs about 3.3 years of household income. Commutes are long, about 36.2 minutes each way. Most homes (85.1%) are owned, so rentals can be hard to find.
How much money do I need?
To rent here comfortably, you should earn about $54,120 a year. That is $26 an hour at a full-time job.
Is rent cheaper than other Tennessee cities?
No. Rent here is more expensive than in most of Tennessee. It is number 62 of 114 cities from cheapest to most expensive.
How much do households earn in Atoka?
Share of households by yearly income. 35.7% of households earn $100,000 or more.
Rent by apartment size in Atoka
| Size | Atoka | U.S. average |
|---|---|---|
| 2 bedrooms | $969 | $1,509 |
| 3 bedrooms | $1,271 | $1,698 |
| 4 bedrooms | $2,543 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Atoka overall?
Everyday prices in Tennessee overall are 8% below the U.S. average (index 91.9, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Atoka, so the Tennessee figure is shown.
Taxes and bills in Atoka
Life in Atoka
Is it cheaper to rent or buy in Atoka?
Renting is cheaper right now: about $872 a month less.
Owning assumes a typical $320,700 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $32,070 for the down payment.
Frequently asked questions
What is the average rent in Atoka, TN?
Renting in Atoka costs a median of about $1,353 a month in 2026, including utilities. The Tennessee median is $1,279.
How much do I need to make to live in Atoka?
To keep rent under 30% of income, you need about $54,120 a year, or $26 an hour at a full-time job.
Is Atoka cheap or expensive?
Atoka is rated Cheap: rent takes 16.8% of the typical household income of $96,702. It ranks 62nd cheapest of 114 Tennessee cities we track.
How much are property taxes in Atoka?
The median homeowner in Atoka pays $1,688 a year in property taxes, about 0.53% of the median home value.
Is Atoka more expensive than the national average?
Overall prices in Tennessee are 8% below the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Atoka?
The median home value in Atoka is $320,700, about 3.3 times the typical yearly household income.
10,385 people live in Atoka. Numbers are typical (middle) values.