City · 14,840 residents · Atlantic County, New Jersey
Hammonton, New Jersey
In Hammonton, a typical home is worth $349,800 and typical rent is $1,611 a month. Compared with all of Atlantic County, the typical home value is 19% higher and typical rent is 17% higher.
Typical home value from Zillow, September 2021 to September 2026: from $285,506 to $381,311.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hammonton 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Pine Hill, the typical home value is $204,600: 42% less than in Hammonton ($349,800).
2
Nearby, in Williamstown, the typical rent is $1,266: 21% less than in Hammonton ($1,611).
3
The typical home in Hammonton is worth $349,800,19% more than in Atlantic County as a whole ($295,000).
4
The typical rent in Hammonton is $1,611 a month, 17% more than in Atlantic County as a whole ($1,376).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hammonton
What homes there are in Hammonton, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Hammonton
Atlantic County
New Jersey
United States
Kind of home: Hammonton and its comparisons
Measure
Hammonton
Atlantic County
New Jersey
United States
Detached house
68%
58%
53%
61%
Attached house
7%
9%
10%
6%
Building of 2 to 4
13%
9%
15%
8%
Apartments (5 or more)
Unreliable estimate
21%
22%
19%
Mobile home
Unreliable estimate
3%
1%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Hammonton, 7 in 10 homes are single-family detached houses; in Atlantic County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hammonton
Atlantic County
New Jersey
United States
Year built: Hammonton and its comparisons
Measure
Hammonton
Atlantic County
New Jersey
United States
Before 1960
33%
28%
38%
26%
1960–1979
30%
25%
25%
24%
1980–1999
20%
27%
21%
25%
2000–2009
16%
14%
9%
14%
2010 or later
Unreliable estimate
7%
7%
11%
Homes in Hammonton are older: the typical year built is 1973; in Atlantic County, 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K14%
$200K–$300K22%
$300K–$500K43%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hammonton and its comparisons
Measure
Hammonton
Under $100K
Unreliable estimate
$100K–$200K
14%
$200K–$300K
22%
$300K–$500K
43%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49931%
$1,500–$1,99937%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hammonton and its comparisons
Measure
Hammonton
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
31%
$1,500–$1,999
37%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,162 a month
Atlantic County: $2,185 a month
Without a mortgage
$1,079 a month
Atlantic County: $1,017 a month
Owners with a mortgage
59%
Atlantic County: 60%
In Hammonton, 59% of owners have a mortgage; their typical cost is $2,162 a month, about the same as in Atlantic County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hammonton+49%
Atlantic County+35%
New Jersey+35%
United States+53%
Typical rent
Hammonton+34%
Atlantic County+23%
New Jersey+29%
United States+33%
Typical household income
HammontonNo clear change
Atlantic County+26%
New Jersey+26%
United States+29%
Change since 2015–2019: Hammonton and its comparisons
Measure
Hammonton
Atlantic County
New Jersey
United States
Typical home value
+49%
+35%
+35%
+53%
Typical rent
+34%
+23%
+29%
+33%
Typical household income
No clear change
+26%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Hammonton rose 49%; in Atlantic County, it rose 35%.
The typical rent in Hammonton rose 34% over the same time; in Atlantic County, it rose 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hammonton and its comparisons
Measure
Hammonton
Atlantic County
New Jersey
United States
Rental vacancy
Unreliable estimate
4.3%
3.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.7%
0.9%
More than one person per room
Unreliable estimate
2.9%
4.0%
3.4%
People per household
2.52
2.47
2.62
2.53
Drive alone
74%
73%
62%
69%
Carpool
12%
9%
8%
9%
Public transit
Unreliable estimate
4%
8%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
11%
9%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Hammonton look like those in Atlantic County: 2.52 people on average.
To get to work, 74% of workers in Hammonton drive alone; in Atlantic County, 73%.
Do the math
What would you pay each month for a home in Hammonton?
A typical home costs more than the typical income allows
We start with a typical home in Hammonton, worth $349,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Hammonton, which is $78,087 a year. For that payment to be 28% of income, a household would need to earn about $136,581 a year.
The calculator's FHA and conventional loan limits are those of all of Atlantic County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Hammonton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,243 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,187
at 7.18% · 30 years
Loan amount
$343,464
Total interest
$494,164
Paid off in
November 2056
Includes $5,907 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,822 a month
Tight
$1,822 to $2,343 a month
Hard
more than $2,343 a month
Your payment · 49%
Compared with the typical household income in Hammonton ($78,087 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,327
Property tax
$560
Home insurance
$146
FHA mortgage insurance (MIP)
$155
You need at least $12,243 for the down payment, plus closing costs.
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.
Total monthly payment $3,187; principal and interest $2,327.
The city and its county
Hammonton and Atlantic County
Hammonton 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).
Hammonton
Map of Atlantic County, New Jersey, with Hammonton marked. Around it, the neighboring counties.
Hammonton
Atlantic County
Other cities with a page
Hammonton's own numbers
Typical home value
$349,800
Typical monthly rent
$1,611
Typical yearly household income
$78,087
Households that own their home
71%
Effective property tax rate
1.92%
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.
A typical home in Hammonton is worth $349,800: 19% above the county and 23% below New Jersey. With the typical household income in Hammonton ($78,087 a year), a typical home costs 4.5 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.
Hammonton4.5 years
Atlantic3.8 years
New Jersey4.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Atlantic County, 2016 to 2025
2016: −0.7% −0.7% 2016
2017: −1.9% −1.9% 2017
2018: +4.5% +4.5% 2018
2019: +5.6% +5.6% 2019
2020: +5.4% +5.4% 2020
2021: +15.7% +15.7% 2021
2022: +18.2% +18.2% 2022
2023: +12.1% +12.1% 2023
2024: +9.3% +9.3% 2024
2025: +7.8% +7.8% 2025
Change in FHFA’s price index in Atlantic County, New Jersey and the United States
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
Hammonton 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
Hammonton$349,800
Atlantic$295,000
New Jersey$454,400
United States$332,700
Typical monthly rent
Hammonton$1,611
Atlantic$1,376
New Jersey$1,720
United States$1,413
Typical yearly household income
Hammonton$78,087
Atlantic$78,050
New Jersey$103,556
United States$80,734
See the full table
Hammonton next to Atlantic County and New Jersey
Measure
Hammonton
Atlantic County
New Jersey
U.S.
Typical home value
$349,800 ▲19% above the county
$295,000
$454,400
$332,700
Typical monthly rent
$1,611 ▲17% above the county
$1,376
$1,720
$1,413
Typical yearly household income
$78,087
$78,050
$103,556
$80,734
Households that own their home
71% ▲2 points above the county
69%
64%
65%
Typical yearly property tax
$6,731
$6,776
$9,590
$3,119
Effective property tax rate
1.92% ▼0.38 points below the county
2.3%
2.11%
0.94%
Renters with high rent for their income
61% ▲4 points above the county
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 Hammonton
For a typical $349,800 home in Hammonton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hammonton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,187a month
Least cash to close
Down payment
$12,243
Cash to close
$22,737
Rate
7.18%
Mortgage insurance
FHA MIP · $155
Conventional, 5% down$3,123a month
Down payment
$17,490
Cash to close
$27,984
Rate
7.18%
Mortgage insurance
PMI · $166
Conventional, 20% down, no PMI$2,601a month
Down payment
$69,960
Cash to close
$80,454
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,925a month
Down payment
$52,470
Cash to close
$62,964
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hammonton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,187
$12,243
$343,464
7.18%
FHA MIP · $155
$22,737
580
Conventional, 5% down
$3,123
$17,490
$332,310
7.18%
PMI · $166
$27,984
620*
Conventional, 20% down, no PMI
$2,601
$69,960
$279,840
7.18%
None
$80,454
620*
ITIN, 15% down (example)
$2,925
$52,470
$297,330
8.18%
None
$62,964
Set by the lender
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.
Typical rent in Hammonton is $1,611 a month: 17% above the county. In Hammonton, 61% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Atlantic County (Fiscal year 2027)
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 Hammonton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hammonton is in ZIP code 08037.
For 2 bedrooms it is $1,830: $69 less than the fair market rent for Atlantic County ($1,899).
Fair market rent by ZIP code and size in Hammonton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
08037
$1,340
$1,510
$1,830
$2,430
$2,690
ZIP code2 bd3 bd
08037 $1,830$2,430
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hammonton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Hammonton or Atlantic County. The ones below are statewide in New Jersey: they work in Hammonton the same as in the rest of the state.
NJHMFA second loan with no interest, forgiven after five years, for first-time buyers in New Jersey.Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
Extra NJHMFA assistance for first-time buyers whose parents have never owned a home (or who were in foster care in New Jersey).Offered by New Jersey Housing and Mortgage Finance Agency (NJHMFA).
No legal help resource on our list is for Hammonton or Atlantic County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Hammonton 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 Hammonton?
The typical home value in Hammonton is $349,800, 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 Hammonton?
Typical rent in Hammonton is $1,611 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 Hammonton?
Hammonton 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 Hammonton?
The typical homeowner in Hammonton pays $6,731 a year, according to the U.S. Census Bureau. That is 1.92% of the home’s value; in Atlantic County, the rate is 2.3%.
Where can I find free help to buy or rent in Hammonton?
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.
