What a Atoka home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $320,700; your assessed value is often lower. Typical use.
- Property tax$1,692
0.528% of $320,700
- Electricity$1,845
1154 kWh a month $1,845
- Water and sewer$1,281
7,000 gallons a month on Town of Atoka: water $44, sewer $63 a month
- Trash$255
First residential cart, $21 a month
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A Atoka house at the typical market value ($320,700) costs about $5,100 a year: $1,690 property tax and charges, $1,280 water and sewer, $260 trash, $1,850 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.
Rates checked Oct 29, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Who serves this house
- Water
- Town of Atoka
- Town fee structure: $11.30 for a 5/8 to 3/4 inch meter plus $4.80 per thousand gallons.
- Property tax
- 0.53% of value
- 2026 tax year (Atoka FY 2027), Town of Atoka and Tipton County
Your water
- Source
- Ground water from the Memphis Sand Aquifer.
Other TN cities
Clarksville home costsCollierville home costsColumbia home costsGallatin home costsLebanon home costsRed Bank home costsSignal Mountain home costsSmyrna home costsGermantown home costsJohnson City home costsOak Ridge home costsGoodlettsville home costsBartlett home costsLenoir City home costsEast Ridge home costsFairview home costsElizabethton home costsAlcoa home costsHendersonville home costsLa Vergne home costsMaryville home costsCollegedale home costsMillington home costsLawrenceburg home costsSoddy-Daisy home costsParis home costsPortland home costsMorristown home costsBristol home costsWhite House home costsCrossville home costsOakland home costsDyersburg home costsAthens home costsUnion City home costs
How these numbers are made
- Water and sewer are the town's rates effective July 1, 2026 (Ordinance 26-06-02, Fee Structure Resolution 26-06-08): water $11.30 minimum + $4.80 per 1,000 gallons; sewer $16.00 minimum + $7.00 per 1,000 gallons. The ordinance does not say the minimum includes any gallons, so none are assumed free.
- Trash is the first-cart fee of $21.25 a month in the town fee structure; the board planned $22.25 for 2027.
- Property tax: Town of Atoka $0.7685 per $100 (FY 2027 budget ordinance) and Tipton County $1.3417 per $100 (2026 rate), each x 25% assessment = 0.192% and 0.335% of appraised value. No state homestead exemption is modelled.
- The starting value is the Census median ($320,700, market value). Electricity is Southwest Tennessee EMC's residential rate for October 2026 ($29.00 + 10.812¢/kWh, TVA fuel adjustment included). Gas (Munford) and insurance are not included.
- Nothing here is legal, tax or insurance advice.
- Town of Atoka fee structure resolution 26-06-08
- Ordinance 26-06-02 water and sewer rates
- Atoka 2025 water quality report
- Atoka FY2027 budget ordinance
- Atoka water and sewer page
- Atoka trash collection
- Atoka utilities
- Tipton County Trustee
- Census ACS median value
- TN Comptroller tax bill
- Southwest Tennessee EMC rate sheet, October 2026
How Atoka compares
A typical Atoka house against the 36 Tennessee cities we cover, using the same default numbers as the total above.
| Per year | Atoka | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 0.53% | 0.61% | lower than 24 of the other 35 Tennessee cities we cover |
| Water | $523 | $517 | higher than 18 of the other 35 Tennessee cities we cover |
| Sewer and utility-bill fees | $757 | $776 | lower than 20 of the other 35 Tennessee cities we cover |
| Trash | $255 | $240 | higher than 17 of the other 28 Tennessee cities we cover |
| Electricity and gas | $1,845 | $2,424 | lower than 28 of the other 35 Tennessee cities we cover |
| Total | $5,073 | $7,044 | lower than 33 of the other 35 Tennessee cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,845 a year, lower than 28 of the other 35 Tennessee cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,845 a year for a typical house, lower than 28 of the other 35 Tennessee cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Atoka house costs
What is the property tax rate in Atoka?
About 0.53% of the value before exemptions a year (2026 tax year (Atoka FY 2027), Town of Atoka and Tipton County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Atoka?
About $2,638 a year on $500,000 of the value before exemptions.
How much is the water bill in Atoka?
About $107 a month for water and sewer at typical use (7,000 gallons a month) on Town of Atoka.
How much does trash pickup cost in Atoka?
$21 a month for a house.
How much does a house in Atoka cost to run each year?
A Atoka house at the typical market value ($320,700) costs about $5,100 a year: $1,690 property tax and charges, $1,280 water and sewer, $260 trash, $1,850 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.