Locke was born to Donald and Christine Locke, respectively a truck driver and a clothing warehouse worker for the Gap/Old Navy distribution center in Gallatin, Tennessee. She is the second of two children, with an older brother named Ashley (both of whom are biracial; their father is African-American and their mother is White). She and her brother spent most of their life in Gallatin. At age five, Locke began singing in church. Her parents divorced when she was eight years old.

Locke grew up admiring such singers as Janet Jackson, Whitney Houston, Patti LaBelle and Diana Ross. In 1987, she and childhood friends Chandra Boone, Selina Robb, and NaCole Rice formed a quartet named Shadz of U, which performed at many local churches. The group later appeared on Locke's 2007 Based On A True Story album, singing backup on Everyday Angels.

Locke went to Gallatin High School, where she was one of sixteen members to participate in its performing group. She remained in the group thr