Atoka, TN demographics:
population, income, and more

Total population
10,385
1.4% year-over-year change
Median household income
$89,663/yr
3.1% year-over-year change
Housing units
3,825
-0.7% year-over-year change

Atoka population

How many people live in Atoka

Atoka is home to 10,385 residents, according to the most recent Census data. Gender-wise, 50.5% of Atoka locals are male, and 49.5% are female.

Total population
10,385
1.4% year-over-year change
Gender ratio
Male
50.5%
5,245
Female
49.5%
5,140
Value Percent YoY change
Male 5,245 50.5% 3.2%
Female 5,140 49.5% -0.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Atoka is 39, with the population distributed as follows: about 18.5% are children under 15, then 11.2% are in the 15 to 24 age group. Adults between 25 and 44 make up 29.4% of the population, while another 28.6% fall into the 45 to 64 bracket. Finally, around 12.2% are 65 or older.

Median age
39.1
Age breakdown
Under 15
18.5%
15 to 24
11.2%
25 to 44
29.4%
45 to 64
28.6%
Over 65
12.2%
Value Percent YoY change
Under 15 1,918 18.5% 0.8%
15 to 24 1,168 11.2% -4.0%
25 to 44 3,055 29.4% 3.1%
45 to 64 2,972 28.6% -0.4%
Over 65 1,272 12.2% 8.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Atoka, 98.4% of the population are US-born citizens, while 1.1% have gained naturalized citizenship. At the same time, 0.5% of residents are non-citizens. As for race, 78.5% of locals are Caucasian, 11.8% are African American and 1.4% have Asian roots. There’s also a share of 7.1% that includes residents with two or more races.

Citizenship
U.S.-born citizens
98.4%
Non-U.S.-born citizens
1.1%
Non-citizens
0.5%
Value Percent YoY change
U.S.-born citizens 10,214 98.4% 1.5%
Non-U.S.-born citizens 117 1.1% -34.3%
Non-citizens 54 0.5% N/A
Racial breakdown
White
78.5%
Black or African American
11.8%
American Indian and Alaska Native
0.4%
Asian
1.4%
Native Hawaiian and other Pacific Islander
0%
Two or more races
7.1%
Other
0.9%
Value Percent
White 8,149 78.5%
Black or African American 1,226 11.8%
American Indian and Alaska Native 39 0.4%
Asian 145 1.4%
Two or more races 737 7.1%
Other 89 0.9%

Households in Atoka

A peek inside Atoka households

Atoka has 3,770 households, with an average of 3 members in each. Of these, 76.7% are families, while the remaining 23.3% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
3,770
0.1% year-over-year change
Average people per household
3
Non-family households
879
Family households
2,891
Value Percent YoY change
Non-family households 879 23.3% 8.5%
Family households 2,891 76.7% -2.2%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Atoka

The housing landscape of Atoka

Atoka's housing consists of 3,825 units, with 91.7% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 0.6% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 3.7% of the housing landscape.

Housing units
3,825
-0.7% year-over-year change
Housing types
Value Percent
1 unit, detached 3,509 91.7%
1 unit, attached 25 0.6%
10 to 19 units 56 1.5%
20 to 49 units 72 1.9%
50 or more units 21 0.6%
Mobile home 142 3.7%
Homes built since 2020
204
223.8% year-over-year change

The age of buildings in Atoka

In Atoka, the median construction year is 2002. About 2.3% of homes were built before the 1940s, with another 0.5% going up by 1949. Most development happened in the second half of the 20th century. Then, 47.6% of homes were added from 2000 to 2009, 8.3% between 2010 and 2019, and 5.3% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 89 2.3% -6.3%
Built between 1940 and 1949 19 0.5% -58.7%
Built between 1950 and 1959 95 2.5% 8.0%
Built between 1960 and 1969 68 1.8% -38.7%
Built between 1970 and 1979 40 1% -64.3%
Built between 1980 and 1989 158 4.1% -19.8%
Built between 1990 and 1999 1,015 26.5% -16.9%
Built between 2000 and 2009 1,819 47.6% 13.4%
Built between 2010 and 2019 318 8.3% 1.6%
Built in 2020 or later 204 5.3% 223.8%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Atoka occupancy rates

Out of the 3,770 occupied housing units in Atoka, 85.1% are owner-occupied, while 14.9% are lived in by tenants. Meanwhile, 1.4% of all homes on the local market sit vacant.

Occupied housing units
3,770
0.1% year-over-year change
Occupancy breakdown
Renter occupied
563
Owner occupied
3,207
Value Percent YoY
change
Renter occupied 563 14.9% -5.1%
Owner occupied 3,207 85.1% 1.0%
Unoccupied housing units
1.4%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Atoka housing costs

Housing costs in Atoka come to a median of $1,408 per month, while tenants specifically pay a median gross rent of $1,237.

Median housing costs per month
$1,408/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Atoka
$1,237/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Atoka

Atoka education at a glance

About 36.3% of the population in Atoka went to high school, while 17.6% pursued college studies. Another 13.1% earned an associate degree and 23.2% hold a bachelor’s. Meanwhile, 9.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 35 0.4% -2.8%
High school diploma 2,911 36.3% 2.0%
College diploma 1,407 17.6% -21.3%
Associate degree 1,051 13.1% -6.5%
Bachelor's degree 1,861 23.2% 37.8%
Graduate degree 749 9.4% 12.0%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Atoka

How much people earn in Atoka

The average annual household income in Atoka was $107,538 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +8.6% change from the previous year. At the same time, the median income stood at $89,663, reflecting a +3.2% shift over the same period.

Average household income in Atoka
$107,538/year
8.6% year-over-year change
Median household income in Atoka
$89,663/year
3.1% year-over-year change

Atoka income by age

In Atoka, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $105,366. Those with someone between 45 and 64 in charge, often well established professionally, earn $94,572 overall. Overall, 93% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $105,366 10.2%
45 - 64 $94,572 2.3%
Over 65 $65,921 22.3%
Above poverty level
9,586
Below poverty level
723
Value Percent YoY
change
Above poverty level 9,586 93% 1.5%
Below poverty level 723 7% 7.3%

Average renter income in Atoka

To get a better sense of what renters earn on average in Atoka, their median household income was $77,739 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 19.1%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$77,739
Rent-to-income ratio
19.1%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Atoka

Workforce and job types in Atoka

The job market in Atoka is powered by 4,976 working residents, spread across a range of industries and roles. 81.8% of the working population are employed in professional or administrative positions, while 18.2% are in hands-on or service-based jobs. Also, 6.8% run their own businesses, 62.5% are employed by private companies, and 28.1% work in the public sector.

Workforce demographics

Working population
4,976
6.5% year-over-year change
White collar
4,070
Blue collar
906
Value Percent YoY change
White collar 4,070 81.8% 14.0%
Blue collar 906 18.2% -17.7%
Employer type
Self employees
6.8%
Private companies
62.5%
Governmental workers
28.1%
Not for profit companies
2.6%
Value Percent YoY change
Self employees 337 6.8% 30.1%
Private companies 3,111 62.5% 5.7%
Governmental workers 1,398 28.1% 5.8%
Not for profit companies 130 2.6% -11.0%
Unemployment rate
4.4%
-48.1% year-over-year change

Available workforce

The unemployment rate in Atoka stands at 4.4%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Atoka

How people get around in Atoka

Means of transportation
Value Percent YoY change
Car 4,224 85% -1.4%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Atoka by zipcode?

Zipcode Population Number of households Median income Average income
38004 12,001 4,258 $92,928 $118,992
38053 25,303 10,021 $58,194 $78,614

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FAQs about Atoka demographics 

What is the total population of Atoka?

Atoka has a total population of 10,385 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.4% compared to a year ago.

What is the gender ratio in Atoka?

The gender ratio in Atoka is as follows:
  • 50.5% males (5,245 residents)
  • 49.5% females (5,140 residents)

What is the median age in Atoka?

The median age in Atoka is 39.1.

What is the age distribution of the population in Atoka?

The age distribution in Atoka is as follows:
  • Under 15: 18.5% (1,918 residents)
  • Ages 15-24: 11.2% (1,168 residents)
  • Ages 25-44: 29.4% (3,055 residents)
  • Ages 45-64: 28.6% (2,972 residents)
  • Over 65: 12.2% (1,272 residents)

What is the racial and ethnic makeup of Atoka?

The racial and ethnic makeup of Atoka is as follows:
  • White: 78.5% (8,149 residents)
  • Black or African American: 11.8% (1,226 residents)
  • American Indian and Alaska Native: 0.4% (39 residents)
  • Asian: 1.4% (145 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 7.1% (737 residents)
  • Other: 0.9% (89 residents)

What percentage of the population in Atoka are U.S.-born citizens?

U.S.-born citizens represent 98.4% of the population in Atoka.

How many housing units are there in Atoka?

There are 3,825 housing units in Atoka, reflecting a -0.7% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Atoka and what is the average household size?

Atoka has a total of 3,770 households, with an average of 3 people in each.

What is the median household income in Atoka?

Atoka has a median household income of $89,663, representing a +3.1% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Atoka?

The employment rate is 95.6% in Atoka, with a workforce of 4,976 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 81.8% (4,070 residents)
  • Blue-collar workers: 18.2% (906 residents)

Places of employment:
  • Self-employed: 6.8% (337 residents)
  • Private companies: 62.5% (3,111 residents)
  • Governmental workers: 28.1% (1,398 residents)
  • Not-for-profit companies: 2.6% (130 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025