Median home value in zip code 38004 (Atoka, TN) is $345,947, up 1.3% year over year. Part of the Memphis, TN-MS-AR metropolitan area.

Home Value$345,947

YoY Change

+1.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 38004 (Atoka).

Income (annual)

Down Payment

$69,189 on $345,947

Example: $75,000 household income. Change it above to see your own.

Stretch35.8% of income

Above 28% but manageable with cuts.

PITI$2,239

P/I35.8%

Afford$270K

Gap-$76K

P&I $1,749Tax $323Ins $167

6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

38004 is part of the Memphis, TN-MS-AR metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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