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City · 38,632 residents · Atlantic County, New Jersey

Atlantic City , New Jersey

In Atlantic City, a typical home is worth $207,400 and typical rent is $1,136 a month. Compared with all of Atlantic County, typical household income is 47% lower, the typical home value is 30% lower, and the share of households that own their home is 38 points lower.

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  • Typical home value

    $207,400

    30% below the county

    54% below New Jersey

    • Atlantic City
    • Atlantic
    • New Jersey

  • Typical rent

    $1,136a month

    17% below the county

    34% below New Jersey

    • Atlantic City
    • Atlantic
    • New Jersey

  • Typical household income

    $41,028a year

    47% below the county

    60% below New Jersey

    • Atlantic City
    • Atlantic
    • New Jersey

  • Households that own their home

    30%

    38 points below the county

    34 points below New Jersey

    • Atlantic City
    • Atlantic
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$219,133
3.1% more than 12 months ago
Typical rent
$1,812 a month
about the same as 12 months ago

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

Atlantic City is in Atlantic County. The FHA loan limit ($730,250 for a one-unit home), the fair market rents and the help on this page are those of all of Atlantic County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Atlantic City apart

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

  1. 30% of households in Atlantic City own their home, against 69% in Atlantic County.

  2. Atlantic City has the 4th lowest typical household income of the 294 cities in New Jersey with more than 5,000 people ($41,028).

  3. Atlantic City has the 10th lowest typical rent of the 283 cities in New Jersey with more than 5,000 people ($1,136).

  4. Atlantic City has the 14th lowest typical home value of the 293 cities in New Jersey with more than 5,000 people ($207,400).

  5. 16% of households in Atlantic City have no internet at home (7% in Atlantic County).

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

The homes here

Housing in Atlantic City

What homes there are in Atlantic City, 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

There are more apartments in Atlantic City than in Atlantic County: 51% of homes, against 21%.

Year built

In Atlantic City, half of the homes were built before 1963; in Atlantic County, before 1978.

There are fewer big homes in Atlantic City than in Atlantic County: 32% have 3 bedrooms or more, against 59%.

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

The FHA loan limit for Atlantic County is $730,250, and about 96% of owner-occupied homes in Atlantic City are worth less than that.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Atlantic County is $1,899; about 91% of rents in Atlantic City are below it.

With a mortgage

$1,830 a month

Atlantic County: $2,185 a month

Without a mortgage

$1,003 a month

Atlantic County: $1,017 a month

Owners with a mortgage

50%

Atlantic County: 60%

In Atlantic City, 50% of owners have a mortgage, and their typical cost is $1,830 a month, against $2,185 in Atlantic County. Without one it drops to $1,003.

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 typical home value in Atlantic City rose 32% since 2015–2019, about the same as in Atlantic County (35%).

Much as in Atlantic County, the typical rent in Atlantic City rose 26% since 2015–2019.

Here income gained ground: typical income rose 40%, against +32% for home values and +26% for rent.

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

MeasureAtlantic CityAtlantic CountyNew JerseyUnited States
Rental vacancy 4.6%4.3%3.5%5.5%
Homeowner vacancy Unreliable estimate0.8%0.7%0.9%
More than one person per room 7.0%2.9%4.0%3.4%
People per household 2.302.472.622.53
Drive alone 51%73%62%69%
Carpool 7%9%8%9%
Public transit 20%4%8%3%
Walk or bike 13%3%3%3%
Work from home 5%9%17%15%
Other means 4%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Atlantic City look like those in Atlantic County: the rental vacancy rate is 4.6%.

More than one person per room: that is how 7.0% of households in Atlantic City live, more than in Atlantic County (2.9%).

On average, a household in Atlantic City has 2.30 people, fewer than in Atlantic County (2.47).

More people ride a bus or train to work in Atlantic City than in Atlantic County: 20% against 4%.

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 Atlantic City?

A typical home costs more than the typical income allows

We start with a typical home in Atlantic City, worth $207,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Atlantic City, which is $41,028 a year. For that payment to be 28% of income, a household would need to earn about $86,091 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Atlantic City. 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 $7,259 (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

$2,009

at 7.18% · 30 years

Loan amount
$203,643
Total interest
$292,995
Paid off in
November 2056

Includes $3,502 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $957 a month

  • Tight

    $957 to $1,231 a month

  • Hard

    more than $1,231 a month

    Your payment · 59%

Compared with the typical household income in Atlantic City ($41,028 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,009
Principal & interest$1,380
Property tax$451
Home insurance$86
FHA mortgage insurance (MIP)$92

You need at least $7,259 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

Atlantic City and Atlantic County

Atlantic City is in Atlantic 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).

Atlantic City's own numbers

Typical home value
$207,400
Typical monthly rent
$1,136
Typical yearly household income
$41,028
Households that own their home
30%
Effective property tax rate
2.61%

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

Numbers for all of Atlantic County

FHA limit, one-unit home
$730,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,899
Price change over 5 years (FHFA)
+81%
Homes in a high flood-risk zone
14%

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 Atlantic County.

Everything about Atlantic County

Buying

Buying a home in Atlantic City

A typical home in Atlantic City is worth $207,400: 30% below the county and 54% below New Jersey. With the typical household income in Atlantic City ($41,028 a year), a typical home costs 5.1 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.

  • Atlantic City 5.1 years
  • Atlantic 3.8 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Atlantic County

According to FHFA’s house price index, home prices in Atlantic County rose 105% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +7.8% +6.2% +2.9%
5 years (2020–2025) +81% +63% +47%
10 years (2015–2025) +105% +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

Atlantic City next to Atlantic 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
  • Atlantic City $207,400
  • Atlantic $295,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Atlantic City $1,136
  • Atlantic $1,376
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Atlantic City $41,028
  • Atlantic $78,050
  • New Jersey $103,556
  • United States $80,734
See the full table
Atlantic City next to Atlantic County and New Jersey
Measure Atlantic City Atlantic County New Jersey U.S.
Typical home value $207,400 $295,000 $454,400 $332,700
Typical monthly rent $1,136 $1,376 $1,720 $1,413
Typical yearly household income $41,028 $78,050 $103,556 $80,734
Households that own their home 30% 69% 64% 65%
Typical yearly property tax $5,408 $6,776 $9,590 $3,119
Effective property tax rate 2.61% 2.3% 2.11% 0.94%
Renters with high rent for their income 59% 57% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Atlantic 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 Atlantic City

For a typical $207,400 home in Atlantic City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atlantic City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,009a month

    Least cash to close
    Down payment
    $7,259
    Cash to close
    $13,481
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,971a month

    Down payment
    $10,370
    Cash to close
    $16,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,662a month

    Down payment
    $41,480
    Cash to close
    $47,702
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,853a month

    Down payment
    $31,110
    Cash to close
    $37,332
    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 Atlantic City and for Atlantic County.

Property tax

Effective rate in Atlantic City

2.61%of the home’s value each year

$5,408 a year for the typical owner in Atlantic City.

  • Atlantic City 2.61%
  • Atlantic 2.3%
  • 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 Atlantic County

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

Homes in the high-risk zone
14%
12,139
Of those, with NFIP insurance
95%
County New Jersey U.S.
Homes in the high-risk zone 14% 6.7% 3.5%
Of those, with NFIP insurance 95% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Atlantic City

Typical rent in Atlantic City is $1,136 a month: 17% below the county. In Atlantic City, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Atlantic County, by unit size. To pay the 2-bedroom one ($1,899 a month) without spending more than 30% of your income, you would need to earn $36.52 an hour working full time.

HUD fair market rent for all of Atlantic 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 $1,378 $26.50 $55,120
1 bedroom $1,567 $30.13 $62,680
2 bedrooms $1,899 $36.52 $75,960
3 bedrooms $2,578 $49.58 $103,120
4 bedrooms $2,849 $54.79 $113,960

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 Atlantic City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atlantic City is in ZIP code 08401.

For 2 bedrooms it is $1,690: $209 less than the fair market rent for Atlantic County ($1,899).

  • 08401 $1,690$2,330

A ZIP code counts for Atlantic City 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?

Low-income apartments

Low-income apartments in Atlantic City

HUD lists 45 buildings with rents for lower incomes in Atlantic City. These are the largest.

  • Jeffries / Inlet Tower 227 N Vermont Ave, Atlantic City 08401 504 homes, 501 low-income · Run by Housing Authority and Urban Redevelopment Age · Average payment: $365 a month · Average wait: 14 months (609) 344-1107
  • Stanley Holmes Village 325 N Dr Martin Luther King Blvd, Atlantic City 08401 443 homes, 418 low-income · Run by Housing Authority and Urban Redevelopment Age · Average payment: $457 a month · Average wait: 48 months (609) 344-1107
  • Atlantic Marina 818 N Maryland Ave, Atlantic City 295 homes, 287 low-income · In service since 2009
  • Atlantic Marina 601 N Virginia Ave, Atlantic City 08401 287 low-income homes · For families
  • Carver Hall Apartments 512 N South Carolina Ave, Atlantic City 252 low-income homes · In service since 2016

See all 111 buildings in Atlantic County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Atlantic City

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 is 1 HUD-approved agency with an office in Atlantic County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Atlantic City

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

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

Housing counselors near Atlantic City

The HUD-approved agencies closest to the center of Atlantic City, 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 · 26 miles away · Spanish

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

  • Ocean, Inc. (ocean Community Economic Action Now, Inc.)

    40 Main St, Toms River · 42 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    732-244-5333-1108

  • Operation Hope- Camden NJ Branch

    533 Fellowship Rd, Mount Laurel · 47 miles away

    (267) 539-8535

Every agency in Atlantic County All counseling agencies in New Jersey

Help in Spanish near Atlantic City

2 of the 3 agencies on this list say they serve 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 Atlantic City

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

3 other authorities have an office in Atlantic County: see the list Source: HUD

Cities

Other cities in Atlantic County

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

Everything about Atlantic County Housing in New Jersey
See 2 more cities in Atlantic County, with prices and rents

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

Nearby cities

The cities closest to Atlantic City, with the typical home value.

Neighboring counties

If Atlantic 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 Atlantic City.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Atlantic City

Short answers with the numbers for Atlantic City and all of Atlantic 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 Atlantic City?

The typical home value in Atlantic City is $207,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Atlantic County it is $295,000.

How much does it cost to rent in Atlantic City?

Typical rent in Atlantic City is $1,136 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Atlantic County is $1,899.

What is the FHA loan limit in Atlantic City?

Atlantic City uses the FHA limit for all of Atlantic County (2026): $730,250 for a one-unit home and $1,404,350 for a four-unit home.

How much property tax do owners pay in Atlantic City?

The typical homeowner in Atlantic City pays $5,408 a year, according to the U.S. Census Bureau. That is 2.61% of the home’s value; in Atlantic County, the rate is 2.3%.

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

There is 1 HUD-approved counseling agency with an office in Atlantic County. 1 says it serves 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).