Market Overview
Home Prices in Atlantic City, NJ
The median home value in Atlantic City, NJ is $221,432 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.7% compared to a year ago and up 5.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Atlantic City are priced46% below average. Atlantic City is part of the Atlantic City-Hammonton, NJ metro area.
Over the past five years, Atlantic City home values have risen by approximately56.0%, reflecting strong long-term appreciation in this market.
Price History
Atlantic City Home Price Trend
City Comparison
Atlantic City vs. National Median
At $221,432, homes in Atlantic City cost 46% below the national median of $410,000. This makes Atlantic City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Atlantic City?
20% Down Payment
$44,286
on $221,432
Monthly P&I
$1,155/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,467/mo
incl. taxes & insurance
Income Needed
$58,680
gross annual (30% rule)
10% Down Option
$22,143
+ PMI applies
Loan Amount (20% dn)
$177,146
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Atlantic City, NJ?
The median home value in Atlantic City is $221,432 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.7% year-over-year.
How much have home prices changed in Atlantic City?
Over the past year, home values in Atlantic City have increased by 1.7%. Over five years, prices have risen approximately 56.0%.
How much do I need to earn to buy a home in Atlantic City?
To comfortably afford the median home price of $221,432 with a 20% down payment ($44,286) at today's rates (6.8%), you'd need a gross annual income of approximately $58,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Atlantic City compare to the national average home price?
The national median home value is approximately $410,000. At $221,432, homes in Atlantic City are 46% below the national average.
What metro area is Atlantic City part of?
Atlantic City is part of the Atlantic City-Hammonton, NJ metropolitan area. Home prices and market conditions can vary across the broader metro region.