HomeTennesseeTipton CountyAtoka town
Atoka town, Tennessee: commercial real estate data.
Atoka town is a Census town of 10,385 people across 12.13 square miles of land, in Tipton County. Median household income is $89,663, 85.1 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $2.6 m.
66 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Atoka
What Atoka is
- Census place typetown
- Land area12.13 sq mi
- Water area0.04 sq mi
- Population per square mile of land856
- County holding the largest share of its areaTipton County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atoka
How many people live in Atoka
- Population10,385
- Median age39.1
- Population under 182,371
- Share under 1822.8 percent
- Population 65 and over1,272 plus or minus 312
- Share 65 and over12.2 percent plus or minus 3.0
- Households3,770
- Family households2,891
- Share of households that are families76.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atoka
Income and work in Atoka
- Median household income$89,663
- Per capita income$41,219
- Civilian labor force5,208
- Employed4,976
- Unemployed232 plus or minus 131
- Unemployment rate4.5 percent plus or minus 2.5
- Adults 25 and over7,299
- Adults 25 and over with a high school diploma or higher95.1 percent
- Adults 25 and over with a bachelor degree or higher35.2 percent
- Adults 25 and over with a graduate degree10.3 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atoka
Housing in Atoka
- Housing units3,825
- Occupied units3,770
- Vacant units55 plus or minus 73
- Vacancy rate1.4 percent plus or minus 1.9
- Owner occupied3,207
- Renter occupied563 plus or minus 189
- Ownership rate85.1 percent
- Median owner-occupied home value$320,700
- Median gross rent, monthly$1,237
- Annual rent as a share of median income16.6 percent plus or minus 3.4
- Single family units3,534
- Share single family92.4 percent
- Units in buildings of two or more149 plus or minus 121
- Share in buildings of two or more3.9 percent plus or minus 3.1
- Mobile homes142 plus or minus 147
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atoka
How Atoka gets to work
- Workers 16 and over who commute4,241
- Commuting under 15 minutes350 plus or minus 155
- Share commuting under 15 minutes8.3 percent plus or minus 3.6
- Commuting 30 minutes or more2,751
- Share commuting 30 minutes or more64.9 percent
- Drove alone79.3 percent
- Carpooled5.7 percent plus or minus 2.7
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home14.7 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atoka
SBA loans in Atoka (7(a))
- Approvals7
- Gross approval$2,573,200
- Average approval$367,600
- Median approval$350,000
- Ninetieth percentile approval$530,200
- Largest approval$530,200
- Jobs supported93
- Jobs per approval13.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more42.9 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS6
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Tipton County, not Atoka
Tipton County context, not Atoka figures
These are Tipton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Atoka measurements.
- Establishments in Tipton County777
- Employment at those establishments, Tipton County10,691
- Covered employment, Tipton County11,848
- Average annual pay, Tipton County$50,303
- Average weekly wage, Tipton County$967
- Housing units permitted, Tipton County215
- Of those, single family, Tipton County167
- County product, 2024, Tipton County$1,763,355,000
- County product change over the prior year, Tipton County2.8 percent
- Average income of an arriving household, Tipton County$54,043
Every figure in this section is published for Tipton County as a whole and is not a measurement of Atoka. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Atoka questions, answered from the record.
How many people live in Atoka, Tennessee?
10,385, in 3,770 households. Atoka town covers 12.13 square miles of land, which is 856 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Atoka in?
Tipton County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Atoka?
$89,663. The median owner-occupied home is valued at $320,700. Median gross rent is $1,237 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Atoka businesses?
7 7(a) approvals totalling $2.6 m, across 6 lenders, median approval $350,000. These count approvals to borrowers whose address is in Atoka, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Atoka borrowers get paid back?
No rate is published for Atoka. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Atoka figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Tipton County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Atoka.
Is zoning published for Atoka?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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