HomeTennesseeTipton CountyAtoka
Atoka, Tennessee: commercial real estate data.
Atoka 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Atoka, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Atoka
Flood risk in Atoka
- NFIP communityTown of Atoka
- NFIP community number470419
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/04/09(M)
The Town of Atoka participates in the National Flood Insurance Program as community 470419 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Tipton County, not Atoka
Tipton County context, not Atoka figures
- Establishments in Tipton County777
- Covered employment, Tipton County11,848
- Average annual pay, Tipton County$50,303
- Housing units permitted, Tipton County215
Every figure in this section is published for Tipton County as a whole and is not a measurement of Atoka.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $2.6 m since FY2020, 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Atoka in the National Flood Insurance Program?
Yes. Atoka appears in the FEMA Community Status Book as Atoka, town of, community 470419, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Atoka figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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