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Atoka town, TN

ZIP 38004 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 38004

Median Home Value
$283,200
Median Rent
$900
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,819/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 38004 in Atoka town, TN, a household would need roughly $78,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,819. That sits below the local median household income ($90,451), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.1%+32% vs US avg
x
Vacancy Rate
2.3%-78% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
9.2%-38% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
27.5%-28% vs US avg
x
$283,200
Home Value
$900
Rent
2000
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached94.5%
  • 1-unit attached0.7%
  • 2-9 units0.3%
  • 10+ units1.9%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$283,200
Median rent$900
Owner-occupied86.1%
Vacant2.3%
Price-to-income3.1x
Est. income to buy$78,000