Atlantic City, NJ home prices
Typical home $383,091 · +4.0% in a year · income needed $128,000
The Atlantic City, NJ metro area ranks 180 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.0% in a year and +42.9% over five years. With 20% down at 7.11%, the typical home costs about $2,986 a month including 2.3% property tax (Atlantic County rate).
Mortgage on the typical Atlantic City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,618 | $306,472 | $2,062 | $0 | $925 | $2,986 | $128,000 |
| 10% down | $38,309 | $344,781 | $2,319 | $144 | $925 | $3,388 | $145,200 |
| 5% down | $19,155 | $363,936 | $2,448 | $152 | $925 | $3,525 | $151,100 |
| 3.5% down (FHA) | $13,408 | $376,152 | $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.
Counties in the Atlantic City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Atlantic County, NJ | $383,102 | +4.0% | 2.3% |
What can you afford in New Jersey on your salary? · New Jersey home prices · Salaries in New Jersey
Frequently asked questions
How much is a house in Atlantic City?
The typical home in the Atlantic City, NJ metro area is worth $383,091 (Zillow, September 2026).
What salary do you need to buy a house in Atlantic City?
About $128,000 a year for the typical home with 20% down at 7.11%.