Rent affordability
How much rent can you afford in Atlantic City, NJ?
You need an income of about $57,840 a year to rent a typical 1-bedroom in Atlantic City under the 30% rule. That apartment rents for about $1,195 a month in the Atlantic City-Hammonton, NJ metro as of April 2026, plus about $251 for utilities, internet, and renters insurance. At Atlantic City's median household income of $41,028, the rule leaves about $774 a month for rent.
- Metro 1-bedroom
- $1,195 / month
- Income needed
- $57,840 / year
- Housing share
- 42% of gross
- Apartment utilities
- $157 / month
Max rent in Atlantic City, NJ
$774/mo
30% of gross income is $1,025 a month. Utilities, internet, and renters insurance take $251, which leaves $774 for rent.
A typical 1-bedroom in the Atlantic City metro rents for about $1,195, $421 over your max.
- Take-home
- $2,864/moAfter estimated federal tax, state tax, and FICA.
- Move-in cash
- $1,548First month and a one-month deposit, at your max rent.
- Landlord screen
- $1,025/moHighest rent if a landlord wants income of 40× the rent.
Monthly budget
Where take-home pay of $2,864 goes at your max rent of $774. Each slice is its share of take-home.
- Rent27%$774
- Electric, gas, water6%$157
- Internet3%$81
- Renters insurance<1%$13
- Left over64%$1,839
Housing comes to $1,025 a month, 30% of gross income and 36% of take-home. That leaves $1,839 for food, transportation, savings, and everything else.
Search Atlantic City, NJ
Find 1-bedrooms in Atlantic City, NJ under $750
Rounded down from your max rent of $774.
What renters in Atlantic City pay and earn
Of the 16,567 households in Atlantic City, 70% rent. The median renter household earns $35,103 a year. Median gross rent, which is rent plus utilities across every lease including ones signed years ago, is $1,136 a month. 59% of renters spend 30% or more of income on rent and utilities, and 31% spend half or more.
A new 1-bedroom lease in the Atlantic City-Hammonton, NJ metro asks about $1,195, 23% more than the $974 median gross rent for a 1-bedroom in Atlantic City, utilities included. Budget from the asking rent: it is what a new lease costs.
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024, for Atlantic City city, New Jersey. See how Atlantic City compares in the affordability rankings.
Rent in Atlantic City
Atlantic City is the main city of the Atlantic City-Hammonton, NJ metro. Updated April 2026, -0.9% from a year earlier. The 1-bedroom median moved from $1,205 in April 2025 to $1,195 in April 2026. The 2-bedroom median moved from $1,550 in April 2025 to $1,536 in April 2026. Studio and 3-bedroom figures are estimates scaled from the published 1- and 2-bedroom medians.
This series is the metro median from Apartment List, not a single building. brightplace also stores each community's asking rent from daily listing scrapes. That history stays on the property page, because a building's price is not the city median.
How median rent changed
Each point is the overall median asking rent for one month. The vertical scale runs from the low to the high in this period, not from zero. Percentages on the right are the change since April 2025, marked by the dashed line.
Atlantic City-Hammonton, NJ median rent: $1,475 in April 2025 to $1,462 in April 2026, down 0.9%. Low $1,427, high $1,533. 1-bedroom $1,195 in April 2026. 2-bedroom $1,536 in April 2026.
| Month | Overall | 1-bedroom | 2-bedroom |
|---|---|---|---|
| April 2025 | $1,475 | $1,205 | $1,550 |
| May 2025 | $1,515 | $1,238 | $1,592 |
| June 2025 | $1,533 | $1,252 | $1,610 |
| July 2025 | $1,524 | $1,245 | $1,601 |
| August 2025 | $1,490 | $1,217 | $1,565 |
| September 2025 | $1,456 | $1,189 | $1,529 |
| October 2025 | $1,444 | $1,180 | $1,517 |
| November 2025 | $1,440 | $1,176 | $1,513 |
| December 2025 | $1,441 | $1,178 | $1,514 |
| January 2026 | $1,433 | $1,171 | $1,506 |
| February 2026 | $1,427 | $1,166 | $1,499 |
| March 2026 | $1,444 | $1,179 | $1,516 |
| April 2026 | $1,462 | $1,195 | $1,536 |
True monthly cost
What a typical apartment costs each month at the metro median rent: rent plus an apartment utility estimate, state-average internet, and state-average renters insurance. Studio and 3-bedroom rents are estimates. Utilities and insurance are estimates, not a quote from a building.
| Cost | Studio | 1-bedroom | 2-bedroom | 3-bedroom |
|---|---|---|---|---|
| Rent | $1,080 | $1,195 | $1,536 | $2,182 |
| Utilities (estimate) | $142 | $157 | $230 | $327 |
| Internet (estimate) | $81 | $81 | $81 | $81 |
| Renters insurance (estimate) | $13 | $13 | $13 | $13 |
| Total | $1,316 | $1,446 | $1,860 | $2,603 |
No city utility median is on file, so the estimate uses New Jersey's statewide utility average.
Take-home pay and max rent
Single filer, standard deduction, estimated New Jersey income tax and FICA. Max rent is 30% of gross minus about $251 a month for 1-bedroom utilities, internet, and renters insurance. The landlord column is the highest rent when a landlord wants income of 40× the rent.
| Gross income | Take-home / month | Max rent | Landlord screen |
|---|---|---|---|
| $40,000 | $2,800 | $749 | $1,000 |
| $60,000 | $4,047 | $1,249 | $1,500 |
| $80,000 | $5,178 | $1,749 | $2,000 |
| $100,000 | $6,245 | $2,249 | $2,500 |
Rent versus buying in the metro
A monthly ownership cost is not published for Atlantic City-Hammonton, NJ. The metro's price-to-income ratio is 5.57. The ratio was up 4.3% from a year earlier. Over five years it was up 33.6%. This is a metro-level comparison from Harvard's Joint Center for Housing Studies, not a payment on a specific house.
Household income in Atlantic City
The calculator starts from Atlantic City's median household income of $41,028 (±$3,092), the Census Bureau's 2020–2024 estimate for Atlantic City city, New Jersey. The 5-year series is the one the Census publishes for every city. The 1-year figures below are newer but cover only larger areas. The U.S. Census Bureau's 2024 American Community Survey 1-year estimates put median household income at $104,294 in New Jersey (up 1.5% from 2023).
Household utility bills in New Jersey
These are typical monthly bills for all household types in New Jersey, not an apartment quote. The rent calculator uses a smaller apartment estimate for electricity, gas, water, sewer, and trash, plus the internet row. The all-household core of those housing bills is $453 a month.
| Bill | Monthly |
|---|---|
| Electricity | $128 |
| Natural gas | $99 |
| Water | $67 |
| Sewer | $98 |
| Trash | $61 |
| Internet | $81 |
Nearby and similar cities
In brightplace's rent affordability rankings, the Atlantic City metro is 210 of 218: a typical 1-bedroom with utilities takes 49% of the median renter household's income in Atlantic City.
Questions about renting in Atlantic City
How much rent can I afford in Atlantic City, NJ?
Keep rent, utilities, internet, and renters insurance within 30% of gross income. At Atlantic City's median household income of $41,028, that leaves about $774 a month for rent. A typical 1-bedroom in the Atlantic City-Hammonton, NJ metro rents for about $1,195 as of April 2026, and the other costs add about $251, so it calls for about $57,840 a year.
What salary do you need to live in Atlantic City?
To keep a typical 1-bedroom within 30% of gross income in Atlantic City, you need about $57,840 a year: $1,195 in rent plus about $251 for utilities, internet, and renters insurance. A 2-bedroom at the metro median of $1,536 needs about $74,400. The median renter household in Atlantic City earns $35,103 a year, per Census estimates for 2020–2024.
How much rent can I afford on $60,000 a year in Atlantic City?
On $60,000 a year, the 30% rule allows $1,500 a month for housing. After about $251 for utilities, internet, and renters insurance, that leaves about $1,249 for rent, $54 more than the $1,195 typical 1-bedroom in the Atlantic City-Hammonton, NJ metro. A single filer in New Jersey takes home about $4,047 a month after estimated federal and New Jersey income tax and FICA. This is an estimate, not tax advice.
What income do landlords require in Atlantic City?
Many landlords in New Jersey screen for gross annual income of about 40 times the monthly rent. For a $1,195 1-bedroom, that is about $47,800 a year. Requirements vary by building, so check the listing before paying an application fee.
What is the average rent in Atlantic City?
In the Atlantic City-Hammonton, NJ metro, which includes Atlantic City, NJ, estimated median rent as of April 2026 is $1,462 overall, $1,195 for a 1-bedroom, $1,536 for a 2-bedroom. Overall rent is -0.9% from a year earlier. The Census Bureau's 2020–2024 median gross rent in Atlantic City, which counts utilities and leases signed years ago, is $1,136 a month.
How much are utilities for an apartment in Atlantic City?
A 1-bedroom apartment in Atlantic City, NJ is estimated at about $157 a month for electricity, gas, and water, before internet. The city has no household utility median on file, so the estimate uses the state average instead. Actual bills depend on the building, what the lease includes, and how much you use.
Methodology and sources
Updated . Max rent is 30% of gross monthly income minus estimated utilities, internet, renters insurance, and any fees you enter. If you enter other bills, max rent also keeps housing plus those bills within 36% of gross income, a debt-to-income ratio lenders generally consider good. Federal tax uses 2026 brackets and the standard deduction. State tax uses 2025 single-filer brackets on gross income; married thresholds are doubled. FICA includes Social Security up to the 2026 wage base and Additional Medicare Tax. None of this is tax, legal, or housing advice. Read the financial disclosure.
- Apartment List Rent Estimates, August 2026 release
- IRS tax year 2026 brackets and standard deduction, including One Big Beautiful Bill adjustments
- Tax Foundation, 2025 State Individual Income Tax Rates and Brackets
- Insurance Information Institute and NAIC, 2025 homeowners and renters insurance data
- Compiled from public utility cost surveys and bill-pay data, 2025
- brightplace apartment utility reference (national baselines by unit size)
- HUD cost-burden thresholds and common landlord income screens
- U.S. Census Bureau, 2024 American Community Survey 1-year estimates (ACSBR-025)
- Harvard Joint Center for Housing Studies, State of the Nation's Housing 2026
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B19013, B25003, B25031, B25064, B25070, and B25119)