US5.com
  1. Home
  2. States
  3. New Jersey
  4. ZIP 08401
  5. Housing & Real Estate
Atlantic City city, NJ

ZIP 08401 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 08401

Median Home Value
$189,600
Median Rent
$966
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,218/mo PITI).

32%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

5.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

16.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 08401 in Atlantic City 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.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
30.0%-54% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
78.3%-10% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
30.2%-39% vs US avg
x
Mortgage-Free
48.6%+27% vs US avg
x
$189,600
Home Value
$966
Rent
1962
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached16.6%
  • 1-unit attached17.2%
  • 2-9 units25.7%
  • 10+ units40.0%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,600
Median rent$966
Owner-occupied30.0%
Vacant17.6%
Price-to-income5.2x
Est. income to buy$52,000