ZIP Code 08401 — Atlantic City city, NJ Demographics & Data

ZIP code 08401 covers Atlantic City, NJ in Atlantic County with a population of about 38,744.

At a glance, the area shows median age of 37.6 (near the U.S. median).

It sits in telephone area codes 609, 640; U.S. House district NJ-2; the PHILADELPHIA media market.

Median household income in ZIP 08401 is about $36,375 — about 52% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 33.6%; unemployment rate near 12.8%; 20.5% of adults with a bachelor’s degree or higher (about 13.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Arts and entertainment; about 5.9% of workers reporting work-from-home (about 9.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $189,600 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $966 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 30.0% (about 35.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 08401 in Atlantic City, NJ, a household would need roughly $52,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,218. That is about 43% above the local median household income ($36,375), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Atlantic City city, NJ as Relatively Moderate (composite score 93.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (95.8) and wildfire (94.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Atlantic City city, NJ show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,494 for ZIP 08401 (Atlantic City city, NJ) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.