Atlantic County, New Jersey home prices
Typical home $383,102 · +4.0% in a year · property tax 2.3%
The typical home in Atlantic County is worth $383,102, 33% less than the New Jersey typical home ($575,123). Values changed +4.0% in the past year and +42.9% over five years. Homeowners here pay a median 2.3% of their home's value in property tax each year ($8,800 on the typical home), versus 1.82% statewide.
Mortgage on the typical Atlantic County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,620 | $306,482 | $2,062 | $0 | $925 | $2,987 | $128,000 |
| 10% down | $38,310 | $344,792 | $2,319 | $144 | $925 | $3,388 | $145,200 |
| 5% down | $19,155 | $363,947 | $2,448 | $152 | $925 | $3,525 | $151,100 |
| 3.5% down (FHA) | $13,409 | $376,163 | $2,530 | $169 | $925 | $3,625 | $155,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.3% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in New Jersey · part of the Atlantic City metro area.
New Jersey counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Gloucester County | $381,762 | +4.0% | 2.6% |
| Camden County | $353,585 | +4.2% | 2.83% |
| Warren County | $417,688 | +1.7% | 2.34% |
| Burlington County | $418,637 | +2.2% | 2.26% |
| Mercer County | $439,984 | +0.2% | 2.36% |
| Sussex County | $445,283 | +2.7% | 2.32% |
| Salem County | $297,450 | +3.1% | 2.93% |
| Cumberland County | $273,036 | +0.9% | 2.28% |
| Ocean County | $551,299 | +4.8% | 1.65% |
| Middlesex County | $579,852 | +3.1% | 2.1% |
Frequently asked questions
What is the average home price in Atlantic County, NJ?
The typical home value in Atlantic County is $383,102 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Atlantic County?
About $128,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Atlantic County?
The median effective rate is 2.3% of home value a year (Census ACS 2024 5-year estimates).