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City · 8,164 residents · Camden County, New Jersey

Atco , New Jersey

In Atco, a typical home is worth $275,000. Compared with all of Camden County, typical household income is 19% higher and the share of households that own their home is 16 points higher.

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  • Typical home value

    $275,000

    4% below the county

    39% below New Jersey

    • Atco
    • Camden
    • New Jersey

  • Typical household income

    $105,847a year

    19% above the county

    2% above New Jersey

    • Atco
    • Camden
    • New Jersey

  • Households that own their home

    81%

    16 points above the county

    17 points above New Jersey

    • Atco
    • Camden
    • New Jersey

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$363,163
4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Atco is in Camden County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Camden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Atco apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Lindenwold, the typical home value is $173,600: 37% less than in Atco ($275,000).

  2. 81% of households in Atco own their home, against 65% in Camden County.

  3. Atco has the 13th largest share of rent-burdened renters of the 249 cities in New Jersey with more than 5,000 people (70%).

  4. The typical household income in Atco is $105,847, 19% more than in Camden County as a whole ($88,755).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Atco

What homes there are in Atco, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Atco: 78% of homes, more than in Camden County (55%).

Year built

The typical home in Atco was built in 1976, 9 years after the typical one in Camden County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,100 a month

Camden County: $2,225 a month

Without a mortgage

$1,123 a month

Camden County: $1,115 a month

Owners with a mortgage

71%

Camden County: 65%

Owning costs less in Atco: with a mortgage, the typical cost is $2,100 a month; in Camden County, $2,225. Without one, $1,123.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The Census does not compare Atco with 2015–2019 because its boundaries changed. In Camden County, over that time, the typical home value rose 45%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAtcoCamden CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.7%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate2.7%4.0%3.4%
People per household 2.632.572.622.53
Drive alone 78%68%62%69%
Carpool 10%9%8%9%
Public transit Unreliable estimate5%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 12%16%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Atco has 2.63 people on average, about the same as in Camden County (2.57).

To get to work, 78% of workers in Atco drive alone; in Camden County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Atco?

A typical home is tight for the typical income

We start with a typical home in Atco, worth $275,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Atco, which is $105,847 a year. For that payment to be 28% of income, a household would need to earn about $117,393 a year.

The calculator's FHA and conventional loan limits are those of all of Camden County.

Your numbers

Local data
$

Starts at the typical home value in Atco. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,625 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,739

at 7.18% · 30 years

Loan amount
$270,019
Total interest
$388,494
Paid off in
November 2056

Includes $4,644 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,470 a month

  • Tight

    $2,470 to $3,175 a month

    Your payment · 31%

  • Hard

    more than $3,175 a month

Compared with the typical household income in Atco ($105,847 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,739
Principal & interest$1,829
Property tax$674
Home insurance$115
FHA mortgage insurance (MIP)$122

You need at least $9,625 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Atco and Camden County

Atco is in Camden County, New Jersey. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Atco's own numbers

Typical home value
$275,000
Typical yearly household income
$105,847
Households that own their home
81%
Effective property tax rate
2.94%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Camden County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+74%
Homes in a high flood-risk zone
1.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Camden County.

Everything about Camden County

Buying

Buying a home in Atco

A typical home in Atco is worth $275,000: 4% below the county and 39% below New Jersey. With the typical household income in Atco ($105,847 a year), a typical home costs 2.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Atco 2.6 years
  • Camden 3.2 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Camden County

According to FHFA’s house price index, home prices in Camden County rose 106% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Camden County.

Period County New Jersey U.S.
Last year (2025) +5.8% +6.2% +2.9%
5 years (2020–2025) +74% +63% +47%
10 years (2015–2025) +106% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Atco next to Camden County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Atco $275,000
  • Camden $287,100
  • New Jersey $454,400
  • United States $332,700
Typical yearly household income
  • Atco $105,847
  • Camden $88,755
  • New Jersey $103,556
  • United States $80,734
See the full table
Atco next to Camden County and New Jersey
Measure Atco Camden County New Jersey U.S.
Typical home value $275,000 $287,100 $454,400 $332,700
Typical yearly household income $105,847 $88,755 $103,556 $80,734
Households that own their home 81% 65% 64% 65%
Typical yearly property tax $8,084 $8,134 $9,590 $3,119
Effective property tax rate 2.94% 2.83% 2.11% 0.94%
Renters with high rent for their income 70% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Camden County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Atco

For a typical $275,000 home in Atco, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atco's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,739a month

    Least cash to close
    Down payment
    $9,625
    Cash to close
    $17,875
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $122

  • Conventional, 5% down $2,689a month

    Down payment
    $13,750
    Cash to close
    $22,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $131

  • Conventional, 20% down, no PMI $2,279a month

    Down payment
    $55,000
    Cash to close
    $63,250
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,533a month

    Down payment
    $41,250
    Cash to close
    $49,500
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Atco and for Camden County.

Property tax

Effective rate in Atco

2.94%of the home’s value each year

$8,084 a year for the typical owner in Atco.

  • Atco 2.94%
  • Camden 2.83%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Camden County

FEMA does not publish these numbers by city: they are for all of Camden County.

Homes in the high-risk zone
1.8%
2,774
Of those, with NFIP insurance
34%
County New Jersey U.S.
Homes in the high-risk zone 1.8% 6.7% 3.5%
Of those, with NFIP insurance 34% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Atco

The Census Bureau publishes no typical rent for Atco. Below are the fair market rents for Camden County. In Atco, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Camden County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Camden County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Atco

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atco is in ZIP code 08004.

For 2 bedrooms it is $2,100: $240 more than the fair market rent for Camden County ($1,860).

  • 08004 $2,100$2,520

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atco when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Atco

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Camden County; 2 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Atco

No down payment, repair or rent-help program on our list is for Atco or Camden County. The ones below are statewide in New Jersey: they work in Atco the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Atco

The HUD-approved agencies closest to the center of Atco, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Navicore Solutions- Hammonton, NJ

    212 Bellevue Ave, Hammonton · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (866) 472-4557

  • Operation Hope- Camden NJ Branch

    533 Fellowship Rd, Mount Laurel · 12 miles away

    (267) 539-8535

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

Every agency in Camden County All counseling agencies in New Jersey

Help in Spanish near Atco

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Atco

In HUD’s record, no housing authority with an office in Camden County is named for Atco or Camden County.

5 other authorities have an office in Camden County: see the list Source: HUD

Cities

Other cities in Camden County

These cities are also in Camden County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Camden County Housing in New Jersey
See 13 more cities in Camden County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Atco, with the typical home value.

Neighboring counties

If Camden County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Atco.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Atco

Short answers with the numbers for Atco and all of Camden County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Atco?

The typical home value in Atco is $275,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Camden County it is $287,100.

What is the FHA loan limit in Atco?

Atco uses the FHA limit for all of Camden County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Atco?

The typical homeowner in Atco pays $8,084 a year, according to the U.S. Census Bureau. That is 2.94% of the home’s value; in Camden County, the rate is 2.83%.

Where can I find free help to buy or rent in Atco?

There are 4 HUD-approved counseling agencies with an office in Camden County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).