Income needed to buy a home
Atlantic County, NJ
$143,011
a year in household income to buy the typical Atlantic County home with 10% down.
The monthly math
Typical home value$385,559
Down payment (10%)$38,556
Loan$347,003
Principal and interest (7.40%)$2,403/mo
Property tax (1.86% a year)$597/mo
Homeowners insurance (estimate)$193/mo
Mortgage insurance$145/mo
Total monthly cost$3,337/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $78,050 a year, 55% of what it takes.
In New Jersey
Atlantic County ranks #4 of 21 for the income a home takes, from least to most.
Easiest to afford in New Jersey
| County | Typical home | Income needed |
|---|---|---|
| Cumberland County | $279,277 | $105,185 |
| Salem County | $301,049 | $115,245 |
| Camden County | $359,108 | $141,049 |
| Gloucester County | $385,868 | $150,567 |
| Burlington County | $423,352 | $160,204 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.