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Atlantic City Real Estate Market Facts

  • $182,900Median home price
    42% lower than New Jersey
  • $854Median rent asked
    30% lower than New Jersey
  • 26.9%Home owners
    58% lower than New Jersey
  • 2.5People per home
    6% lower than New Jersey
The above shows an overview of the real estate market in Atlantic City, NJ. Note how the median home price for Atlantic City, NJ runs $182,900, which is 42% lower than the average property price for New Jersey. So you’re going to get real estate in Atlantic City, NJ that is on-average more affordable than what you’ll find in the rest of New Jersey. As for rent, the median for Atlantic City, NJ runs $854, which is comparatively 30% lower than the average rent for New Jersey. For Atlantic City, NJ, about 26.9% of the population consist of home owners with about 2.5 people living in each property on average. Whether you’re looking for condos or townhomes that are low-maintenance and affordable or sprawling mansions, Atlantic City, NJ offers a wide variety of real estate. To find your perfect home in Atlantic City, NJ, filter your choice by price, location, and number of beds and baths using the search area above.

Atlantic City Home Affordability

  • $182,900Median home price
    42% lower than New Jersey
  • $26,566Median home income
    64% lower than New Jersey
  • 6.9xHome price to income ratio
    60% higher than New Jersey
When deciding where to purchase Atlantic City, NJ real estate, home affordability is one of the top deciding factors. One way that you can calculate the affordability of your next home is to use this formula: median home price to median household income ratio. In Atlantic City, NJ the median home price is $182,900 and $26,566 is the median household income. As a result, the home price to income ratio in Atlantic City, NJ is 6.9x, which is 60% higher than the New Jersey average. In order to determine the home affordability ratio, you would divide the median home price by the median home income. If you find that in Atlantic City, NJ the home price to income ratio is lower than average, that means that in general, housing is more affordable. While there more than just one factor in deciding home affordability, you can use the home affordability calculator below as an additional tool when deciding how much you can and should pay for real estate in Atlantic City, NJ.

Atlantic City Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
When looking for real estate in Atlantic City, NJ, finding one that won't strain your budget is imperative. That's when the home affordability calculator comes in handy. It allows you to calculate the cost of a property in Atlantic City, NJ, not only by considering your income, but debts and down payment amounts as well. You can personalize the home affordability calculator even further by adding in additional factors like length of mortgage term, property taxes, home insurance costs, mortgage rate, and HOA dues. The calculator will come up with an estimated cost of home ownership and display an amount that would fit within your budget. Knowing this figure will help you find a home that you can afford in Atlantic City, NJ and keep you from looking at places that are out of financial reach. Therefore, you can avoid disappointment and emotional attachment to homes you would not be able to afford. Additionally, this tool allows you to balance your budget because it also calculates the amount of money left over for savings and other expenses.

Atlantic City Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
If I buy a real estate in Atlantic City, NJ, what can I expect to pay monthly? There are a number of different factors that will go in to determining your monthly cost. While most people understand how significant the overall price of the house goes into determining the payment amount, it's also important to know that there are a variety of other variables to consider. These include things such as property taxes, private mortgage insurance (PMI), home owner's association dues, interest rate, and how much of a down payment has been made on the house. Understanding these is a great way to reduce overall payment. For example, you can reduce the private mortgage insurance by making a down payment of 20%. The mortgage calculator above will have all of these variables already filled out with default data, but you can customize it to give you a much more accurate reading. Generally speaking, you want to keep your debt to income ratio at about 36% when calculating your monthly house payment, which means paying no more than 36% of your monthly salary towards your housing and other debts.

Atlantic City Demographics

  • 39,306Population
  • 3,653People / sq mile
  • 35.7Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Strathmere, NJ181$0100%
Elwood, NJ1,440$126,70031%
Egg Harbor City, NJ4,243$153,90017%
Pleasantville, NJ20,532$157,90015%
Mays Landing, NJ2,123$182,9001%
Atlantic City, NJ39,306$182,9001%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Puyallup, WA39,274$258,80040%
Clinton, MD39,256$272,50048%
Sun City, AZ39,363$119,40035%
Bremerton, WA39,388$178,6003%
Woburn, MA39,220$374,300103%
Atlantic City, NJ39,306$182,9001%
Source: The Atlantic City, NJ housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).