$235,000
2554 Maple Dr
Atoka, TN
2 bd2 ba1,305 sqft$180/ft²
House1.59 acres
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Sarah Mitchell
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Compass Real Estate · Atoka, TN
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Atoka, TN(512) 555-0184TX License #0512847
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Atoka, TN Housing Market
Seller's market+0.1% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Atoka, TN is worth $350,873, held roughly flat 0.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $434,999, +18.2% year over year (through May 2026). With 3.1 months of supply and homes going under contract in about 27 days, Atoka is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $350,873 home is about $1,873/mo in principal and interest.
Key numbers for Atoka, TN
Typical home value
$350,873
+0.1% in 12 months
Zillow, August 2026
Typical asking rent
$1,350/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$434,999
+18.2% year over year
Redfin, through May 2026
Days on market
27
Average pace
Redfin, through May 2026
Active listings
40
3.1 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$86,922
Home costs 4.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.2%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Atoka a buyer's or seller's market?
Seller's market3.1 months of supply27 days on market100.2% of asking
Atoka, TN is a seller's market, based on 3.1 months of supply and homes selling in about 27 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Atoka housing market data show?
Every row below is Redfin's final published month for Atoka, TN. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $434,999 |
| Median list price | $424,999 |
| Year-over-year price change | +18.2% |
| Median price per sq ft | $170/sq ft |
| Median days on market | 27 days |
| Active inventory | 40 listings |
| Months of supply | 3.1 months |
| Sale-to-list price ratio | 100.2% |
| Homes sold (that month) | 13 |
| New listings (that month) | 19 |
| Listings with a price cut | 32.5% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Atoka is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Atoka is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Atoka home prices moved?
Over the last three years the median sale price in Atoka, TN rose 21.8%, from $357,000 to $434,999. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 32.5% of Atoka listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 3.1 months while the sale-to-list ratio slips below its current 100.2%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Atoka?
Priced off the typical home value of $350,873 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $70,175 | $280,699 | $1,873/mo |
| 5% | $17,544 | $333,330 | $2,224/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,873, that implies roughly $80,278 a year before you add taxes and insurance. The median household in Atoka earns $86,922, about $6,644 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 4.0x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Atoka in the next 12 months?
Tell us your timeline. We send the Atoka market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Atoka?
Typical asking rent in Atoka, TN is $1,350/mo, against a typical home value of $350,873. That is a price-to-rent ratio of 21.7x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $1,873 a month — $523 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Atoka?
Active listings in Atoka, TN went from 31 in May 2025 to 40 in May 2026, a +29.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 31 | 14 |
| July 2025 | 36 | 18 |
| August 2025 | 34 | 11 |
| September 2025 | 36 | 9 |
| October 2025 | 42 | 18 |
| November 2025 | 45 | 17 |
| December 2025 | 39 | 5 |
| January 2026 | 38 | 6 |
| February 2026 | 36 | 12 |
| March 2026 | 38 | 18 |
| April 2026 | 39 | 14 |
| May 2026 | 40 | 19 |
Redfin, through May 2026
How does Atoka compare to Tennessee and the U.S.?
Atoka homes sell for $434,999 — 5% above the Tennessee median of $413,200. Against the national median of $410,700, Atoka runs 6% higher. Year-over-year, Atoka moved +18.2% against Tennessee's +3.0% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Atoka, TN | $434,999 | +18.2% | 27 days |
| Tennessee statewide | $413,200 | +3.0% | 61 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Atoka
What buyers should watch
- Months of supply, currently 3.1. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 32.5%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $351 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $350,873 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Atoka listing goes under contract in 27 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.2% of asking. Price at the number you want and let competition do the rest.
- In the last published month Atoka added 19 new listings against 13 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +0.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Atoka varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Atoka
There are currently 40 homes listed for sale in Atoka, Tennessee. The median listing price is $425K. Featured listings range from $235,000 to $504,500.
$255,000
260 Chisolm Trl
Atoka, TN
3 bd2 ba1,325 sqft$192/ft²
House1.10 acres
View photos & details
$299,900
1180 Williamsburg Dr
Atoka, TN
3 bd2 ba1,729 sqft$173/ft²
House19,166 sqft lot
View photos & details
$299,999
189 Cotton Fall Dr
Atoka, TN
3 bd2 ba1,663 sqft$180/ft²
House14,810 sqft lot
View photos & details
$330,000
366 Kings Dr
Atoka, TN
3 bd2 ba1,814 sqft$182/ft²
House34,848 sqft lot
View photos & details
$370,000
83 Joyce Ave
Atoka, TN
4 bd3 ba2,427 sqft$152/ft²
House16,988 sqft lot
View photos & details
$375,500
371 Beverly Dr
Atoka, TN
3 bd2 ba2,098 sqft$179/ft²
House16,988 sqft lot
View photos & details
$420,000
8645 Rosalee Ln
Atoka, TN
4 bd3 ba2,788 sqft$151/ft²
House1.85 acres
View photos & details
$456,000
128 Loch Haven Cv S
Atoka, TN
5 bd3 ba2,638 sqft$173/ft²
House29,185 sqft lot
View photos & details
$465,000
168 Clementine Rd
Atoka, TN
5 bd3 ba3,325 sqft$140/ft²
House15,682 sqft lot
View photos & details
$500,000
853J E Blaydes Pkwy
Atoka, TN
4 bd4 ba3,166 sqft$158/ft²
House2.04 acres
View photos & details
$504,500
65 Loch Haven Cv S
Atoka, TN
4 bd3 ba2,849 sqft$177/ft²
House19,166 sqft lot
View photos & details
Looking to buy in Atoka?
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Active listings
40
Homes on market
Median list price
$425K
Avg. days on market
27
Days until sale
New this week
19
Newly listed
Price drops:32.5%of listings
Sale-to-list:100.2%
How much do homes cost in Atoka by property type?
How the Atoka, TN market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $434,999 | $170/sq ft | 13 | 27 days |
Who lives in Atoka?
American Community Survey estimates for Atoka. U.S. Census ACS, 2023
Population
10,237
Households
3,767
Median income
$86,922/yr
Median age
39.1 years
Owner-occupied
84.3%
Median home value
$283,500
Median gross rent
$1,279/mo
Mean commute
35 min
84.3% of occupied homes in Atoka are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $283,500 against Zillow's $350,873 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,279/mo, below Zillow's $1,350/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Atoka?
1 schools tracked · 868 students
The largest public schools serving Atoka, TN by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Atoka Elementary School
Grades PK-5 · 868 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Atoka, TN?
Ordered by distance from Atoka, not by size. Compare Atoka side by side with any of them.
Atoka housing market FAQ
Is Atoka a buyer's or seller's market?
Atoka, TN is currently a seller's market. That read comes from 3.1 months of supply, homes going under contract in about 27 days, and sellers getting 100.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Atoka?
The typical home in Atoka, TN is worth $350,873 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $434,999, about $170 per square foot.
Is Atoka cheaper than the rest of Tennessee?
Atoka's median sale price of $434,999 is 5% higher than the Tennessee statewide median of $413,200, and 6% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Atoka?
Homes in Atoka, TN spent a median of 27 days on market before going under contract, versus 61 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Atoka?
At the current 30-year fixed rate of 7.03%, 20% down on a $350,873 home is about $1,873 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $80,278 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $86,922.
Are home prices rising in Atoka?
The typical home value in Atoka, TN held roughly flat 0.1% over the last 12 months, from $350,384 to $350,873 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Atoka?
Atoka ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Atoka?
That depends on your timeline, not on a headline. What the data says today: Atoka, TN is a seller's market with 3.1 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 21.7x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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