Population & age
- Total population
- 11,604
- Median age
- 38.4
Tipton County · Memphis, TN-MS-AR · Population 11,604
Atoka, TN (ZIP 38004) sits in Tipton County within the Memphis metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Obesity comes in above the national average at 41.3%. NCES lists 1 schools serving the area, 1 non-charter. 3 colleges and universities serve the area, with median in-state tuition of $4,758. IRS data shows average household income (AGI) of $80,057, well above the ~$45K national average per return. Local establishments report average pay of $34,067 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $50,303 per worker, roughly 23% below the US average. The CDC SVI flags household composition (61th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 28th-percentile score. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Annual precipitation averages 55.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,118 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Tennessee has no state income tax, saving the local median household (AGI $80,057) approximately $3,683/year vs the US average effective state tax rate. New residents arriving here predominantly come from Shelby County, TN (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $89,396, fair market rent of $1,470 for a two-bedroom, and a typical home value of $350,828, up 1.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$1,220
/month
1 Bed
$1,330
/month
2 Bed
$1,470
/month
3 Bed
$1,940
/month
4 Bed
$2,260
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$350,828
Zillow Home Value Index (ZHVI) · as of March 2026
+1.4%
vs. March 2025
+36.5%
vs. March 2021
Memphis, TN-MS-AR
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
2,276
Across 883 permitted buildings. Total construction value: $442.5M.
Single-family
809
36% of total units
Multifamily (2+ unit)
1,467
64% of total units
Single-family value
$323.4M
construction value
Multifamily value
$119.1M
construction value
Apartment construction (5+ unit buildings) accounts for 63% of new units this year — the area is densifying, not just adding single-family stock.
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
5,580
Average AGI
$80,057
Avg property tax
$140
EITC participation
11.1%
Income distribution
Avg mortgage interest
$390
Avg charitable contribution
$810
Avg capital gains
$957
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $446.7M across all reported brackets.
Business establishments
165
Total employment
1,479
Annual payroll
$50.4M
Average annual pay
$34,067
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Average annual pay
$50,303
Average weekly wage
$967
Total employment
11,848
Total establishments
962
That is roughly 23% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment rate
3.8%
That is 0.2 percentage points below the US national unemployment rate of about 4.0%.
Labor force
28,029
Employed
26,964
Unemployed
1,065
Based on Tipton County, TN data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$223.2M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Memphis, TN--MS--AR
Reporting agencies
1
Largest: City of Memphis
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public EV charging stations
2
Limited EV charging
A small number of public charging stations — viable for EV ownership with home charging, but minimal redundancy.
Level 2 ports
0
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Federally Declared Disasters
35
Date Range
1973–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared February 6, 2026 (DR-4898)
Incident period: January 22, 2026 – January 27, 2026
Top Incident Types
Individual Assistance
9
Direct help to disaster survivors
Households Program
9
Housing & temporary lodging support
Public Assistance
32
Repair of public facilities & roads
Hazard Mitigation
22
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
59.2°F
48.9° – 69.5°
Annual precipitation
55.8"
Annual snowfall
2.4"
Heating · cooling days
3,724.2 · 1,636.2
Annual base 65°F
Nearest station: COVINGTON 3 SW, TN US, 10.1 miles from the centroid of Atoka, TN (ZIP 38004)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Years of potential life lost (per 100K)
12,118
That is roughly 3,918 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
21%
of adults self-report
Poor physical health days
5.1
avg per adult per month
Poor mental health days
6.1
avg per adult per month
Uninsured
9.6%
of residents under 65
Primary care MDs
28
per 100,000 residents
Preventable hospital stays
3,249
per 100K Medicare enrollees
Food environment (0-10)
8.5
10 = best access & security
Exercise access
59%
residents near a facility
Flu vaccinated
45%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.7% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Tipton data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access status
Good food access — most residents near a store
4.1% of Tipton County, TN residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.10
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.83
accepting food benefits
Fast-food restaurants
0.39
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Tipton County, TN for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 630 reports
Property crime rate
—
per 100K residents · 2,660 reports
Homicide
11
Robbery
46
Burglary
346
Vehicle theft
758
County-level data for Shelby (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Net migration (2022-2023)
▲+232 people
+26 households • +$4.6M net AGI flow
Moved in
2,085households
4,134 people • $110.5M AGI
Moved out
2,059households
3,902 people • $105.9M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $52,979 versus departing households' $51,422.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
State-level rules that apply to every resident of ZIP 38004. Numbers reflect the most recent published year per source.
Income tax
None
No state income tax
Sales tax (combined)
9.61%
State 7.00% · avg local 2.61%
Property tax (effective)
0.44%
Median $1,743/year
Tax burden rank
2 of 50
6.90% of personal income
For ZIP 38004: A household at this ZIP's median AGI of $80,057 keeps approximately $3,683 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $350,828, that works out to roughly $1,540/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
SNAP eligibility
130% FPL
Federal 130% FPL gross income limit. Asset limit $3,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Nearby ZIPs by distance
38058 (Munford, 4.5 mi) · 38011 (Brighton, 4.9 mi) · 38054 (Millington, 8.4 mi) · 38002 (Lakeland, 8.9 mi) · 38036 (Gallaway, 9.8 mi) · 38015 (Gilt Edge, 10.8 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
41.3%
8.3pp above the 33.0% national rate.
38.2%
6.2pp above the 32.0% national rate.
28.8%
6.8pp above the 22.0% national rate.
77.5%
Tracks close to the 76.0% national rate.
9.2%
3.8pp below the 13.0% national rate.
11.9%
Tracks close to the 11.0% national rate.
1 school serves this ZIP, including 1 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Atoka Elementary School | Public | -1–5 | 855 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges in this area
3
Median in-state tuition
$4,758
Median earnings (10 yr)
$37,323
Dyersburg, TN · 38024
Newbern, TN · 38059
Millington, TN · 38053
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
Atoka, TN (ZIP 38004) sits in Tipton County within the Memphis metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Obesity comes in above the national average at 41.3%. NCES lists 1 schools serving the area, 1 non-charter. 3 colleges and universities serve the area, with median in-state tuition of $4,758. IRS data shows average household income (AGI) of $80,057, well above the ~$45K national average per return. Local establishments report average pay of $34,067 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $50,303 per worker, roughly 23% below the US average. The CDC SVI flags household composition (61th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 28th-percentile score. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1973 — a high-frequency exposure profile. Annual precipitation averages 55.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 12,118 years of potential life lost per 100,000 (2025) — well above the national county median. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Tennessee has no state income tax, saving the local median household (AGI $80,057) approximately $3,683/year vs the US average effective state tax rate. New residents arriving here predominantly come from Shelby County, TN (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $89,396, fair market rent of $1,470 for a two-bedroom, and a typical home value of $350,828, up 1.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 28.8%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
41.3%, which is 8.3 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
28.8%, which is 6.8 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
38.2%, which is 6.2 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
1 school serves this ZIP, including 1 public school (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
No charter schools are listed in ZIP 38004 by NCES CCD (retrieved Apr 27, 2026).
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 27, 2026).
11,604 people live in ZIP 38004, with a median age of 38.4 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$89,396 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 38004, 85.8% of occupied housing units are owner-occupied and 14.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 38004, 5.9% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
7.5% of the population in ZIP 38004 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
91.6% of households in ZIP 38004 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 38004 is $350,828, up 1.4% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are up 1.4% over the past year and up 36.5% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 38004 (Atoka, TN) is $80,057 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 38004 report an average of $140 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
4.7% of tax returns from ZIP 38004 (Atoka, TN) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 165 business establishments operated in ZIP 38004 employing 1,479 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 38004 is $34,067, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 38004 ranks in the 28th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 38004, ranking in the 61th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 35 federal disaster declarations affecting ZIP 38004 between 1973–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 38004, accounting for 22 of 35 declarations (63%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 38004 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-4898) (FEMA OpenFEMA, retrieved May 3, 2026).
3 colleges and universities are listed near ZIP 38004 by the U.S. Department of Education College Scorecard, including Dyersburg State Community College, Tennessee College Of Applied Technology Northwest, and Studio 75 Hair Academy (retrieved May 2, 2026).
Median in-state tuition across 3 nearby institutions is $4,758 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $37,323 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 38004 has an average annual temperature of 59.2°F and 55.8" of annual precipitation based on the COVINGTON 3 SW, TN US weather station 10.1 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Yes — ZIP 38004 is part of the Memphis, TN--MS--AR urbanized area, primarily served by City of Memphis (National Transit Database 2024, retrieved May 4, 2026).
Tennessee has no state income tax. For a household earning the local median AGI of $80,057, this saves approximately $3,683 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 9.61% (Tax Foundation 2025).
Tennessee runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (1 school), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (3 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (35 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (35 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Nearby ZIPs by distance
38058 (Munford, 4.5 mi) · 38011 (Brighton, 4.9 mi) · 38054 (Millington, 8.4 mi) · 38002 (Lakeland, 8.9 mi) · 38036 (Gallaway, 9.8 mi) · 38015 (Gilt Edge, 10.8 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 38004?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
28th percentile
Moderate Vulnerability
Based on 6 census tracts, population 11,462
Vulnerability Themes
Households Without Vehicle
51
Limited English Speakers
45
Persons with Disability
1,764
Without HS Diploma
421
Without Health Insurance
838
Adults Age 65+
1,511
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.