NJShore Guide

08401 Real Estate

Atlantic City Housing Market

$229KMedian Price
271Listings
87Days on Market

Atlantic City Housing Market (08401)

Atlantic County presents opportunities for patient buyers. Prices are down 13.2% from last year, with a median of $229,000. Homes are staying on market longer at 87 days average, giving buyers leverage in negotiations.

This is one of the more affordable shore areas, running about 44% below the shore-wide median. A great entry point for shore property ownership.

Winter is typically the slowest season for shore real estate. Serious sellers may be more flexible on price during these months.

Price Trends (24 Months)

$227K$237K$247K$256K$266KFeb '24Jun '24Oct '24Feb '25Jun '25Oct '25Jan '26
Median List Price
Latest: $229K

Current Market Snapshot

Median Price
$229K
-13.2%YoY
Active Listings
271
Days on Market
87
Monthly Change
-0.5%

Compared to Atlantic County

ZIP Median Price
$229K
County Median
$410K
Difference
-44.1%below county avg

Market Health Indicators

Price Trend
-13.2%
Days on Market
87 days
Inventory
271

About Atlantic City

Atlantic City is a shore community in Atlantic County. Learn more about beaches, attractions, dining, and events.

Atlantic City

Try Before You Buy in Atlantic City

Considering a move to 08401? Rent a vacation home first to experience the neighborhood and lifestyle before committing.

Browse Vacation Rentals

Investment Potential

Investment Calculator

Estimate your potential returns if you rent out your Atlantic City property during summer months.

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10%$46K50%
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Peak summer week rate

4 wks20 wks

Annual Summary

Gross Rental Income$8,400
Est. Expenses (30%)-$2,520
Net Rental Income$5,880
Annual Mortgage-$14,626
Property Tax (est.)-$4,122
Annual Cash Flow$-12,868
Cap Rate
0.8%
Cash-on-Cash
-28.1%

Investment Outlook

Challenging as pure investment. Negative cash flow means you would need other income or appreciation to justify. Better suited as a vacation home with some rental offset.

* Estimates only. Consult a financial advisor and research local rental regulations. Expenses estimate includes insurance, maintenance, management, and vacancy.

Nearby ZIP Codes

08203Brigantine08406Ventnor08402Margate08403Longport08244Somers Point08205Smithville

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08401 Real Estate FAQs

What is the median home price in Atlantic City (08401)?
The current median list price in Atlantic City (ZIP 08401) is approximately $229K. Prices vary based on proximity to the beach, property size, and condition. Check the market snapshot above for the latest data.
Is Atlantic City a good place to buy a shore home?
Atlantic City offers its own unique character within Atlantic County. Consider factors like beach access, local amenities, commute times, and rental potential. Many buyers rent in the area first to experience the community before purchasing.
How long do homes stay on the market in 08401?
Days on market in Atlantic City varies seasonally. Summer listings often move faster due to higher buyer activity. Check the current market metrics above to see how quickly homes are selling in this area right now.
Can I rent out my property in Atlantic City?
Rental regulations in Atlantic City depend on local ordinances. Some shore towns welcome short-term vacation rentals while others restrict them. Contact the local municipality for current rental permit requirements and restrictions.
What are the flood insurance costs in 08401?
Flood insurance costs in Atlantic City depend on the property's elevation, flood zone designation, and whether the structure has been elevated. Properties in high-risk zones (A or V zones) require flood insurance for federally-backed mortgages.
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