Cost of Living in Atlantic City, NJ
Cost of Living in Atlantic City, NJ has an overall index of 87, 13% below the U.S. baseline of 100. The typical home value is $213,186; typical monthly rent is $1,084; and median household income is $36,220.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Home prices are the main source of pressure. This describes the local market, not your household.
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Frequently asked questions about Atlantic City
Living in Atlantic City
Is Atlantic City, NJ an affordable place to live?+
Yes — everyday expenses in Atlantic City run about 13% below the US average (Cost Index: 87). Housing is especially affordable: the median home is valued around $213,186, compared to the $303,400 national median. Monthly rent is $1,084, versus $1,348 nationally.
How does Atlantic City fit a household housing budget?+
Start with housing. Typical monthly rent is $1,084, while local median household income is $36,220. That implies a rent-burden proxy of about 36% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Atlantic City, NJ?+
New Jersey uses a progressive model; 10.75% is top marginal-rate context. Applying the 2.47% state-level effective owner-occupied proxy to a home worth $213,186 gives a planning estimate near $5,266 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 6.6%.
How much does it cost to rent in Atlantic City, NJ?+
The typical monthly rent in Atlantic City is around $1,084. That's roughly 20% lower than the $1,348 national median. For comparison, the median home value here is $213,186, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Atlantic City, NJ?+
The typical home value in Atlantic City is $213,186. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $1,035/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 30% of residents here own their homes.
Are groceries and utilities expensive in Atlantic City?+
Grocery prices in Atlantic City are about average compared to the rest of the US (index: 100, where 100 is the national average). Utility bills (electricity, gas, water) are about typical (index: 109). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Atlantic City, NJ like to live in?+
Atlantic City is a smaller city with a population of about 38,486. The median age of residents is 37.8, which is close to the national median. The local poverty rate is 33.88%, above the national average of 12.4%.