Median home value in zip code 38004 (Atoka, TN) is $346K, up 1.3% year over year. Part of the Memphis, TN-MS-AR metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Memphis, TN-MS-AR metro →

Home Value$345,947

YoY Change

+1.3%

AFFORDABILITY

Enter your income for 38004 (Atoka).

Income (annual)

Down Payment

$69,189 on $345,947

Stretch — 35.8% 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.

View Memphis, TN-MS-AR analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free