HomeNew JerseyAtlantic County
Atlantic County, New Jersey: commercial real estate data.
Atlantic County, New Jersey had an estimated 279,114 residents on July 1, 2024, up 1.7 percent since the 2020 census base of 274,533, across 556 square miles. County output reached $19.42 bn in 2024, 6,192 establishments operate here, and the SBA record carries 327 7(a) approvals worth $154.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Atlantic County
How many people live in Atlantic County
- Population, American Community Survey 2020-2024276,270
- Households109,557
- Average household size2.52
- Median household income$78,050
- Median age42.3
- Median gross rent$1,376 per month
- Median owner-occupied home value$295,000
- Home value to household income3.8 times
- Annual rent as a share of median income21.2 percent
- Adults 25 and over with a bachelor degree or higher31.8 percent
- Adults 25 and over with a graduate degree10.7 percent
- Adults 25 and over194,449
- Population under 1857,395
- Share under 1820.8 percent
- Population 65 and over54,842
- Share 65 and over19.9 percent
- Working age population, 18 to 64164,033
- Civilian labor force142,906
- Unemployment rate8.8 percent
- Labor force participation, adults 18 and over65.3 percent
- Rank by population among New Jersey counties15th of 21
- Rank by population among US county-equivalents, Puerto Rico included260th of 3,222
Atlantic County is the 15th largest of 21 New Jersey counties by population. A median home costs 3.8 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.8 percent against 19.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Atlantic County
Is Atlantic County's population growing?
- Population, July 1, 2024279,114
- Census 2020 base population274,533
- Population change since the 2020 census base1.67 percent
- Population change, 2023 to 20242,177
- Births, 20242,712
- Deaths, 20242,945
- Natural change, 2024-233
- Net domestic migration, 2024-12
- Net international migration, 20242,418
- Total net migration, 20242,406
- Cumulative net domestic migration, 2021 to 2024495
- Rank by growth among US county-equivalents1281st of 3,144
The county has grown 1.67 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Atlantic County
Where are people moving to Atlantic County from?
- Tax returns filed by households arriving5,298
- People arriving, from those returns8,770
- Tax returns filed by households leaving5,600
- Net household movement-302
- Adjusted gross income arriving$473.8 m
- Net adjusted gross income movement$27.6 m
- Average income of an arriving household$89,439
- Average income of a leaving household$79,694
- Largest single originCamden County (510 households)
- Largest single destinationCamden County (514 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Camden County | 510 | 853 | $47.3 m |
| Cape May County | 445 | 766 | $43.5 m |
| Ocean County | 391 | 665 | $25.5 m |
| Cumberland County | 324 | 554 | $17.2 m |
| Gloucester County | 322 | 554 | $30.2 m |
| Philadelphia County | 316 | 477 | $42.1 m |
| Burlington County | 234 | 401 | $23.4 m |
| Montgomery County | 141 | 207 | $22.3 m |
Households arriving report $9,745 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Camden County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Atlantic County
What is the Atlantic County economy?
- County GDP, 2024$19.42 bn
- County GDP, 2023$18.56 bn
- GDP change, 2023 to 20244.6 percent
- GDP change over five years40.4 percent
- Rank by GDP among the New Jersey areas BEA publishes14th of 21
- Rank by GDP among the US county areas BEA publishes265th of 3,127
- GDP per resident$70,305
Output grew 4.6 percent in the latest year and 40.4 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Atlantic County
Employment by industry in Atlantic County
- Covered employment, annual average125,157
- Establishments reporting7,268
- Average annual pay$59,219
- Average weekly wage$1,139
- Accommodation and food services, employment34,657
- Accommodation and food services, average annual pay$41,243
- Health care and social assistance, employment19,875
- Health care and social assistance, average annual pay$67,445
- Retail trade, employment14,634
- Retail trade, average annual pay$39,805
- Construction, employment5,454
- Construction, average annual pay$80,942
- Administrative and support and waste management services, employment5,067
- Professional, scientific and technical services, employment4,206
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 34,657 | 826 | $41,243 |
| Health care and social assistance | 19,875 | 1,569 | $67,445 |
| Retail trade | 14,634 | 895 | $39,805 |
| Construction | 5,454 | 687 | $80,942 |
| Administrative and support and waste management services | 5,067 | 432 | $47,987 |
| Professional, scientific and technical services | 4,206 | 535 | $103,767 |
| Other services, except public administration | 3,592 | 583 | $38,397 |
| Arts, entertainment and recreation | 3,173 | 135 | $47,833 |
Accommodation and food services is the largest private sector at 34,657 jobs, 27.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Atlantic County
How many businesses are in Atlantic County?
- Establishments, all industries6,192
- Employment at those establishments106,760
- Annual payroll$5.49 bn
- Establishments per 1,000 residents22.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Atlantic County
Building permits in Atlantic County
- Housing units authorized by permit, 2024647
- Declared construction value permitted$133.3 m
- Single family units authorized383
- Multifamily units authorized264
- Multifamily share of units40.8 percent
- Average declared value per unit$206,096
- Units authorized per 1,000 households5.9
Multifamily is 40.8 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Atlantic County
SBA loans in Atlantic County (7(a) and 504)
- 7(a) approvals recorded327
- 7(a) gross approval dollars$154.8 m
- Average 7(a) approval$473,298
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,291,140
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,605
- Jobs per approval11.0
- Distinct 7(a) lenders active47
- Distinct industries receiving approvals135
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.4 percent
- Loans on real estate terms83
- Loans on working capital terms, 120 months or shorter235
- Franchise loans20
- Franchise share of approvals6.1 percent
- Leading industry by approval countFull-Service Restaurants (22)
- Most active lenderTD Bank, National Association (123)
- 504 approvals recorded46
- 504 gross approval dollars$35.4 m
- Average 504 approval$769,565
- Median 504 approval$614,000
- Distinct CDCs active3
- 504 jobs per approval13.1
- 504 jobs per million dollars approved17.0
- Most active CDCTrenton Business Assistance Corporation (31)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$190.2 m
The average approval of $473,298 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.4 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Atlantic County
SBA loan default and charge-off rates in Atlantic County
Do SBA loans in Atlantic County get paid back?
- Loans with a final outcome recorded41
- Paid in full36
- Charged off5
- Charge-off rate on resolved loans12.2 percent
- Status: Cancelled45
- Status: Paid in full36
- Status: Exempt from disclosure217
- Status: Charged off5
- Status: Committed, not yet disbursed24
Of the 41 loans that have reached a final outcome, 12.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Atlantic County
SBA lending by place in Atlantic County
- Borrower cities with recorded lending24
- Egg Harbor Township, approvals52
- Hammonton, approvals35
- Atlantic City, approvals35
- Galloway, approvals28
- Mays Landing, approvals24
- Northfield, approvals24
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Egg Harbor Township | 52 | $30,001,600 |
| Hammonton | 35 | $19,675,900 |
| Atlantic City | 35 | $10,773,000 |
| Galloway | 28 | $12,600,900 |
| Mays Landing | 24 | $6,733,900 |
| Northfield | 24 | $6,053,200 |
| Egg Harbor City | 22 | $16,241,500 |
| Absecon | 19 | $14,455,000 |
| 16 other borrower cities | 88 | $38,233,500 |
Egg Harbor Township accounts for 52 approvals against 35 in Hammonton. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Atlantic County
How large is Atlantic County?
- Land area556 sq mi
- Rank by land area among New Jersey counties3rd of 21
- Width, east to west36.5 mi
- Height, north to south30.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land497
- Establishments per square mile11.14
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Atlantic County
Flood risk in Atlantic County
- Communities in the county in the NFIP Community Status Book23
- Of those, participating in the NFIP23
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- Communities carrying a CRS class11
- Radon levels in Atlantic County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Atlantic County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 5, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Atlantic County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Atlantic County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024276,270
- Households109,557
- Average household size2.52
- Median household income$78,050
- Median age42.3
Common questions
Atlantic County questions, answered from the record.
How many people live in Atlantic County, New Jersey?
The Census Bureau estimates 279,114 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 276,270, in 109,557 households, ranking 15th of 21 New Jersey counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Atlantic County's population growing?
The population has grown 1.67 percent since the 2020 census base of 274,533, to 279,114 on July 1, 2024. In 2024 there were 2,712 births against 2,945 deaths, with net migration of 2,406. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Atlantic County?
$78,050. The median owner-occupied home is valued at $295,000, which is 3.8 times income, and median gross rent is $1,376 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Atlantic County?
6,192 establishments, employing 106,760 people with an annual payroll of $5.49 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Atlantic County?
Accommodation and food services is the largest private sector at 34,657 jobs, 27.7 percent of covered employment. Covered employment averages 125,157 jobs at an average annual pay of $59,219, or $1,139 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Atlantic County?
327 7(a) approvals totaling $154.8 m since FY2020, across 47 lenders, with a median approval of $150,000, plus 46 504 approvals worth $35.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Atlantic County get paid back?
Of the 41 loans that have reached a final outcome, 36 were paid in full and 5 charged off, a charge-off rate of 12.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Atlantic County?
647 housing units were authorized by permit in 2024, with a declared construction value of $133.3 m. Multifamily was 40.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Atlantic County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Atlantic County come from?
The largest single origin is Camden County, with 510 households. Arriving households report an average income of $89,439 against $79,694 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Atlantic County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Atlantic County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Atlantic County
Cities and places in Atlantic.
39 Census places lie wholly or partly in Atlantic County. All 39 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Atlantic City | city | 38,632 | 35 | Wholly in this county |
| Pleasantville | city | 20,712 | 17 | Wholly in this county |
| Hammonton | town | 14,840 | 35 | Wholly in this county |
| McKee City | CDP | 10,731 | None recorded | Wholly in this county |
| Somers Point | city | 10,515 | 11 | Wholly in this county |
| Smithville | CDP | 9,545 | 1 | Wholly in this county |
| Ventnor City | city | 9,265 | 5 | Wholly in this county |
| Absecon | city | 9,170 | 19 | Wholly in this county |
| Northfield | city | 8,456 | 24 | Wholly in this county |
| Pomona | CDP | 7,995 | None recorded | Wholly in this county |
| Brigantine | city | 7,674 | 13 | Wholly in this county |
| Linwood | city | 6,992 | 14 | Wholly in this county |
| Mays Landing | CDP | 6,406 | 24 | Wholly in this county |
| Bargaintown | CDP | 5,377 | None recorded | Wholly in this county |
| Margate City | city | 5,234 | 12 | Wholly in this county |
| Buena | borough | 4,520 | 3 | Wholly in this county |
| Egg Harbor City | city | 4,400 | 22 | Wholly in this county |
| Stockton University | CDP | 2,621 | None recorded | Wholly in this county |
| English Creek | CDP | 2,548 | None recorded | Wholly in this county |
| Collings Lakes | CDP | 1,988 | None recorded | Wholly in this county |
| Folsom | borough | 1,773 | None recorded | Wholly in this county |
| Estell Manor | city | 1,565 | None recorded | Wholly in this county |
| East Vineland | CDP | 1,429 | None recorded | Wholly in this county |
| Absecon Highlands | CDP | 1,288 | None recorded | Wholly in this county |
| Dorothy | CDP | 1,225 | None recorded | Wholly in this county |
| Cologne | CDP | 1,083 | None recorded | Wholly in this county |
| Port Republic | city | 1,076 | None recorded | Wholly in this county |
| Sweetwater | CDP | 1,067 | None recorded | Wholly in this county |
| Longport | borough | 901 | 1 | Wholly in this county |
| Germania | CDP | 890 | None recorded | Wholly in this county |
| Milmay | CDP | 748 | None recorded | 76.7 percent here, 23.3 percent Cumberland County |
| Elwood | CDP | 733 | None recorded | Wholly in this county |
| Newtonville | CDP | 675 | None recorded | Wholly in this county |
| Corbin City | city | 662 | None recorded | Wholly in this county |
| Richland | CDP | 639 | None recorded | Wholly in this county |
| Oceanville | CDP | 631 | None recorded | Wholly in this county |
| Nesco | CDP | 555 | None recorded | Wholly in this county |
| Mizpah | CDP | 473 | None recorded | Wholly in this county |
| Leeds Point | CDP | 77 | None recorded | Wholly in this county |
A further 91 of the county's 327 SBA 7(a) approvals are to borrowers in cities that match no Census place in Atlantic County, the largest being Egg Harbor Township (52), Galloway (28), Vineland (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby