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City · 7,674 residents · Atlantic County, New Jersey

Brigantine , New Jersey

In Brigantine, a typical home is worth $524,800 and typical rent is $1,517 a month. Compared with all of Atlantic County, the typical home value is 78% higher, typical household income is 25% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $524,800

    78% above the county

    15% above New Jersey

    • Brigantine
    • Atlantic
    • New Jersey

  • Typical rent

    $1,517a month

    10% above the county

    12% below New Jersey

    • Brigantine
    • Atlantic
    • New Jersey

  • Typical household income

    $97,250a year

    25% above the county

    6% below New Jersey

    • Brigantine
    • Atlantic
    • New Jersey

  • Households that own their home

    77%

    8 points above the county

    13 points above New Jersey

    • Brigantine
    • Atlantic
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$727,009
7.5% more than 12 months ago
Typical rent
$2,340 a month

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

Brigantine 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 Brigantine apart

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

  1. The typical home in Brigantine is worth $524,800, 78% more than in Atlantic County as a whole ($295,000).

  2. Nearby, in Pleasantville, the typical home value is $194,100: 63% less than in Brigantine ($524,800).

  3. Nearby, in Atlantic City, the typical rent is $1,136: 25% less than in Brigantine ($1,517).

  4. The typical household income in Brigantine is $97,250, 25% more than in Atlantic County as a whole ($78,050).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Brigantine rose 7.5%; in New Jersey, it rose 4%.

  6. 77% of households in Brigantine own their home, against 69% in Atlantic County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Brigantine

What homes there are in Brigantine, 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 is still the most common home in Brigantine, but it weighs less than in Atlantic County: 50% against 58%.

Year built

In Brigantine, half of the homes were built before 1979; in Atlantic County, before 1978.

In Brigantine, 61% of homes have 3 bedrooms or more, about the same as in Atlantic 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

$2,570 a month

Atlantic County: $2,185 a month

Without a mortgage

$1,078 a month

Atlantic County: $1,017 a month

Owners with a mortgage

57%

Atlantic County: 60%

In Brigantine, 57% of owners have a mortgage, and their typical cost is $2,570 a month, against $2,185 in Atlantic County. Without one it drops to $1,078.

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

Since 2015–2019, homes in Brigantine gained value faster than in Atlantic County: 48% against 35%.

Since 2015–2019, the typical rent in Brigantine rose 13%, less than in Atlantic County (23%).

The typical household income in Brigantine rose 34% over that time; home values changed +48% and rent +13%.

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

MeasureBrigantineAtlantic CountyNew JerseyUnited States
Rental vacancy Unreliable estimate4.3%3.5%5.5%
Homeowner vacancy Unreliable estimate0.8%0.7%0.9%
More than one person per room Unreliable estimate2.9%4.0%3.4%
People per household 1.902.472.622.53
Drive alone 66%73%62%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate4%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 22%9%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Brigantine has 1.90 people, fewer than in Atlantic County (2.47).

Many people here do not commute at all: 22% work from home; in Atlantic County, 9%.

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 Brigantine?

A typical home costs more than the typical income allows

We start with a typical home in Brigantine, worth $524,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Brigantine, which is $97,250 a year. For that payment to be 28% of income, a household would need to earn about $191,041 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 Brigantine. 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 $18,368 (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

$4,458

at 7.18% · 30 years

Loan amount
$515,295
Total interest
$741,388
Paid off in
November 2056

Includes $8,863 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,269 a month

  • Tight

    $2,269 to $2,918 a month

  • Hard

    more than $2,918 a month

    Your payment · 55%

Compared with the typical household income in Brigantine ($97,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,458
Principal & interest$3,491
Property tax$516
Home insurance$219
FHA mortgage insurance (MIP)$232

You need at least $18,368 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

Brigantine and Atlantic County

Brigantine 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).

Brigantine's own numbers

Typical home value
$524,800
Typical monthly rent
$1,517
Typical yearly household income
$97,250
Households that own their home
77%
Effective property tax rate
1.18%

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 Brigantine

A typical home in Brigantine is worth $524,800: 78% above the county and 15% above New Jersey. With the typical household income in Brigantine ($97,250 a year), a typical home costs 5.4 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.

  • Brigantine 5.4 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

Brigantine 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
  • Brigantine $524,800
  • Atlantic $295,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Brigantine $1,517
  • Atlantic $1,376
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Brigantine $97,250
  • Atlantic $78,050
  • New Jersey $103,556
  • United States $80,734
See the full table
Brigantine next to Atlantic County and New Jersey
Measure Brigantine Atlantic County New Jersey U.S.
Typical home value $524,800 $295,000 $454,400 $332,700
Typical monthly rent $1,517 $1,376 $1,720 $1,413
Typical yearly household income $97,250 $78,050 $103,556 $80,734
Households that own their home 77% 69% 64% 65%
Typical yearly property tax $6,187 $6,776 $9,590 $3,119
Effective property tax rate 1.18% 2.3% 2.11% 0.94%
Renters with high rent for their income 60% 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 Brigantine

For a typical $524,800 home in Brigantine, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brigantine's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,458a month

    Least cash to close
    Down payment
    $18,368
    Cash to close
    $34,112
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $232

  • Conventional, 5% down $4,361a month

    Down payment
    $26,240
    Cash to close
    $41,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $249

  • Conventional, 20% down, no PMI $3,579a month

    Down payment
    $104,960
    Cash to close
    $120,704
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,064a month

    Down payment
    $78,720
    Cash to close
    $94,464
    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 Brigantine and for Atlantic County.

Property tax

Effective rate in Brigantine

1.18%of the home’s value each year

$6,187 a year for the typical owner in Brigantine.

  • Brigantine 1.18%
  • 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 Brigantine

Typical rent in Brigantine is $1,517 a month: 10% above the county. In Brigantine, 60% 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 Brigantine

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brigantine is in ZIP code 08203.

For 2 bedrooms it is $2,020: $121 more than the fair market rent for Atlantic County ($1,899).

  • 08203 $2,020$2,740

A ZIP code counts for Brigantine 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 Brigantine

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Brigantine

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

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

Housing counselors near Brigantine

The HUD-approved agencies closest to the center of Brigantine, 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 · 27 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 · 38 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 Brigantine

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 Brigantine

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

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Brigantine

Short answers with the numbers for Brigantine 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 Brigantine?

The typical home value in Brigantine is $524,800, 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 Brigantine?

Typical rent in Brigantine is $1,517 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 Brigantine?

Brigantine 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 Brigantine?

The typical homeowner in Brigantine pays $6,187 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Atlantic County, the rate is 2.3%.

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

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).