Sep 2026
$386K
+2.6% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Atlantic City, NJ housing market
Atlantic City, NJ metro median sale price $386K in Sep 2026, up 2.6% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Atlantic City, NJ metro is $386K as of Sep 2026, up 2.6% from a year earlier. That change sits near the middle of the 193 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a larger change, up 6.2% through Q2 2026, 3.6 points apart; Price reconciliation below shows both.
On median sale price, Atlantic City ($386K) ranks 2nd of the three New Jersey metros Pecan Street tracks, between Trenton / Princeton ($485K) and Vineland ($283K). Atlantic City has the most median days on market of the three New Jersey metros (61 days), ahead of Trenton / Princeton (52 days). Atlantic City has the lowest share of listings with a price cut of the three New Jersey metros (25%); Trenton / Princeton (32%) is next.
Listings spent a median 61 days on market in Sep 2026, more than in most of the 195 metros. 25% of active listings carry a price cut, 0.9 points fewer than a year earlier. That share is the 14th-lowest of the 195 metros. Building permits authorized 144 new housing units in Aug 2026.
At the 7.38% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $2,132 a month; at 28% of gross income, that takes about $91K a year. The median sale price equals about 12 years of HUD Fair Market Rent, a ratio up 2.9% from a year earlier. That ratio is the 16th-lowest of the 193 metros. Active listings ask a median $421 per square foot, up 11.6% from a year earlier.
In seven of the 12 ZIP codes in the table below, median list prices are higher than a year earlier; five are lower.
Headline
Oct 14, 2026
7.38%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$2,132/mo
$91K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Atlantic City compares to other U.S. metros
| Price cuts | ↓182nd of 195 |
|---|---|
| Price-to-rent | ↓178th of 193 |
| Days on market | ↑72nd of 195 (top 37%) |
| Home-price growth | 87th of 193 (top 46%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 12 +2.9% YoY ↓178th of 193 |
|---|---|
| Asking price / sq ft | $421 +11.6% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 25% -0.9 pts YoY ↓182nd of 195 |
|---|---|
| New housing units permitted | 144 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 37 |
|---|---|
| MLS board of record | Bright MLS |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 3.6ppRedfin (metro) +2.6% | FHFA HPI · Q2 2026 +6.2% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 08203 | $790K↑ | 93↓ | 34↓ | 32↓ | 53↓ | $738K↑ |
| 08205 | $367K↑ | 134↑ | 44↓ | 34↑ | 52↑ | $340K↑ |
| 08210 | $768K↑ | 103↓ | 36↑ | 26↓ | 47↓ | $466K↑ |
| 08226 | $1.4M↑ | 218↑ | 92↓ | 40↓ | 59↑ | $1.1M↑ |
| 08232 | $292K↑ | 54↑ | 18↑ | 8↑ | 60↓ | $250K↑ |
| 08234 | $500K↑ | 122↑ | 58↑ | 44↑ | 45↑ | $414K↑ |
| 08244 | $531K↓ | 54↑ | 12↓ | 20↑ | 57↑ | $436K↑ |
| 08260 | $643K↓ | 228↑ | 100↑ | 44↑ | 66↑ | $661K↑ |
| 08330 | $336K↓ | 120↑ | 44↓ | 38↑ | 52↑ | $312K↑ |
| 08401 | $217K↓ | 295↑ | 46↓ | 64↓ | 99↑ | $225K↑ |
| 08402 | $1.6M↓ | 67↓ | 12↓ | 16↑ | 48↓ | $1.2M↑ |
| 08406 | $1.0M↑ | 91↑ | 30↓ | 10↓ | 66↑ | $664K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.