The Town FilesLone Oak, Tennessee
Community in Sequatchie County · population 1,198 (2020 Census)
- Median home
- $257,500
- Household income
- $40,781
- Jan low / Jul high
- 32° / 88°
- Snow a year
- 3 in
- Tornadoes ≤10 mi since 1950
- 8
- Median age
- 48.8
Lone Oak is a community of 1,198 people in Sequatchie County, Tennessee. The median home is worth $257,500, above the typical Tennessee town ($204,650). It ranks quieter than 96% of Tennessee towns, better for first-time buyers than 96% of Tennessee towns, better for retirees than 76% of Tennessee towns.
How Lone Oak ranks
Percentile among Tennessee towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Tennessee towns.
Homes and cost of living
The median home in Lone Oak is worth $257,500, above the typical Tennessee town ($204,650). Homes cost about 6.3 times the median household income of $40,781, which is more affordable than 2% of Tennessee towns. Median rent is $687 a month. 71.9% of households own their home.
| Housing | Lone Oak | Typical Tennessee town |
|---|---|---|
| Median home value | $257,500 | $204,650 |
| Median rent | $687 | $863 |
| Median household income | $40,781 | $57,917 |
| Home value ÷ income | 6.3× | 3.7× |
| Homeownership | 71.9% | 69.7% |
| Median year built | 1989 | 1980 |
| Seasonal / vacation homes | 3.6% | — |
Who lives in Lone Oak
| People | Lone Oak | Typical Tennessee town |
|---|---|---|
| Median age | 48.8 | 40.8 |
| Age 65 and over | 24.5% | 18.4% |
| Under 18 | 17.9% | — |
| Bachelor's degree or higher | 19.0% | 18.2% |
| Below the poverty line | 14.8% | 14.2% |
| Veterans | 7.3% | — |
| Born outside the U.S. | 0.5% | — |
| Work from home | 16.0% | 8.2% |
| Average commute | 31.0 min | 25.9 min |
| Homes with broadband | 71.7% | 88.2% |
Weather in Lone Oak
July highs average 87.5°F and January lows 31.7°F. About 63.7 inches of rain and melted snow fall a year, with 3.1 inches of snow (typical Tennessee town: 3.5 in). Expect about 32 days a year at 90°F or hotter and 63 nights at or below freezing.
Tornadoes, storms and disasters
8 tornadoes have passed within 10 miles of Lone Oak since 1950, compared with 16 for the typical Tennessee town. 4 rated (E)F2 or stronger. The strongest, an EF2, struck on November 29, 2016 about 5.4 miles from the town center. The most recent was on March 2, 2023.
Hail of 1 inch or larger has been reported within 10 miles 30 times; the largest was 2.75 inches on May 20, 2006.
Severe weather in Sequatchie County since 1996
Sequatchie County has been included in 21 federal disaster or emergency declarations since 1953, most often for fire, flood, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| February 6, 2026 | Winter Storm | DR-4898: Severe Winter Storm |
| January 24, 2026 | Winter Storm | EM-3635: Severe Winter Storm |
| April 2, 2025 | Severe Storm | EM-3625: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding |
| April 2, 2020 | Biological | DR-4514: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3473: Covid-19 |
Jobs and pay in Sequatchie County
Sequatchie County had 3,622 jobs in 2024, paying an average of $44,394 a year. Unemployment was 3.9% in 2023; in Lone Oak itself the ACS puts it at 0%.
Towns near Lone Oak
- Fairmount, TN2.4 mi · 2,193 people · home $464,500
- Walden, TN4.2 mi · 1,981 people · home $679,900
- Signal Mountain, TN4.2 mi · 8,852 people · home $544,300
- Falling Water, TN6.2 mi · 1,873 people · home $420,600
- Powells Crossroads, TN6.7 mi · 1,296 people · home $187,800
- Red Bank, TN7.4 mi · 11,899 people · home $269,400
- Whitwell, TN8.7 mi · 1,641 people · home $140,500
- Middle Valley, TN9.7 mi · 11,695 people · home $319,400
Lone Oak questions
Is Lone Oak, Tennessee a good place to retire?
On The Town Files lifestyle rankings, Lone Oak scores better for retirees than 76% of Tennessee towns and quieter than 96%. 24.5% of residents are 65 or older (median age 48.8).
How much does a house cost in Lone Oak?
The median owner-occupied home in Lone Oak is valued at $257,500 (Census ACS 2020–2024), against a median household income of $40,781, so homes cost about 6.3 times income. Median rent is $687 a month.
What is the weather like in Lone Oak?
July highs average 87.5°F and January lows 31.7°F (NOAA 1991–2020 normals). It gets about 63.7 inches of precipitation a year and 3.1 inches of snow.
Does Lone Oak get tornadoes?
8 tornadoes have passed within 10 miles of Lone Oak since 1950 (NOAA Storm Events); the strongest was an EF2 on November 29, 2016. The typical Tennessee town has had 16.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)