HomeNew JerseyAtlantic County
Atlantic County, New Jersey: commercial real estate data.
Atlantic County, New Jersey has a population of 276,270 across 556 square miles, up 1.7 percent since the 2020 census base. 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.
123 sourced county values · tier FULL · 11 sections
Atlantic County
How many people live in Atlantic County
- Population276,270
- 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-equivalents260th
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 an affordable ownership market 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 growing
- Population change since the 2020 census base1.67 percent
- Census 2020 base population274,533
- 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
The county has grown 1.67 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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 people moving to Atlantic County come from
- Tax returns filed by households arriving5,298
- People arriving, from those returns8,770
- Adjusted gross income arriving$473.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$89,439
- Largest single originAtlantic County Non-migrants (110,550 households)
- Largest single destination (110,550 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Atlantic County Non-migrants | 110,550 | 210,786 | $8.59 bn |
| Other flows - Different State | 1,369 | 2,236 | $94.6 m |
| Other flows - South | 701 | 1,179 | $49.2 m |
| Camden County | 510 | 853 | $47.3 m |
| Cape May County | 445 | 766 | $43.5 m |
| Ocean County | 391 | 665 | $25.5 m |
| Other flows - Northeast | 349 | 534 | $23.6 m |
| Cumberland County | 324 | 554 | $17.2 m |
The largest single source of arrivals is Atlantic County Non-migrants, 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 the Atlantic County economy runs on
- 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 New Jersey counties14th
- Rank by GDP among US county-equivalents265th
- 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
Who employs people in Atlantic County
- Covered employment, annual average125,157
- Establishments reporting7,268
- Average annual pay$59,219
- Average weekly wage$1,139
- Sector 72, employment34,657
- Sector 72, average annual pay$41,243
- Sector 62, employment19,875
- Sector 62, average annual pay$67,445
- Sector 44-45, employment14,634
- Sector 44-45, average annual pay$39,805
- Sector 23, employment5,454
- Sector 23, average annual pay$80,942
- Sector 56, employment5,067
- Sector 54, employment4,206
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 34,657 | 826 | $41,243 |
| Sector 62 | 19,875 | 1,569 | $67,445 |
| Sector 44-45 | 14,634 | 895 | $39,805 |
| Sector 23 | 5,454 | 687 | $80,942 |
| Sector 56 | 5,067 | 432 | $47,987 |
| Sector 54 | 4,206 | 535 | $103,767 |
| Sector 81 | 3,592 | 583 | $38,397 |
| Sector 71 | 3,173 | 135 | $47,833 |
The largest sector is the biggest private employer group at 34,657 jobs, 27.7 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Atlantic County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Atlantic County
What is being built in Atlantic County
- Housing units authorised by permit, 2024647
- Declared construction value permitted$133.3 m
- Single family units authorised383
- Multifamily units authorised264
- Multifamily share of units40.8 percent
- Average declared value per unit$206,096
- Units authorised per 1,000 households5.9
Multifamily is 40.8 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Atlantic County
How much SBA lending happens in Atlantic County
- 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$1,350,000
- 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$616,000
- Distinct CDCs active3
- 504 jobs per approval13.1
- 504 jobs per million dollars approved17.0
- Most active CDCTrenton Business Assistance Corporation (31)
- 7(a) share of SBA approvals87.7 percent
- Combined SBA approval dollars$190.2 m
The average approval of $473,298 sits well above the median of $150,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually 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
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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Atlantic County
Which parts of Atlantic County get the lending
- Places in the county with recorded lending26
- Egg Harbor Township, approvals52
- HAMMONTON, approvals35
- Atlantic City, approvals35
- GALLOWAY, approvals28
- Northfield, approvals24
- MAYS LANDING, approvals23
| Place | 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 |
| Northfield | 24 | $6,053,200 |
| MAYS LANDING | 23 | $6,673,900 |
| Egg Harbor City | 22 | $16,241,500 |
| Absecon | 19 | $14,455,000 |
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 big 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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population276,270
- 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?
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 growing?
The population has grown 1.67 percent since the 2020 census base. 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 there 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 the average wage in Atlantic County?
Average annual pay is $59,219, or $1,139 a week, across 125,157 covered jobs. 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 totalling $154.8 m since FY2020, across 47 lenders, with a median approval of $150,000, plus 46 504 approvals worth $35.4 m. 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.
What is being built in Atlantic County?
647 housing units were authorised 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 Atlantic County Non-migrants, with 110,550 households. Arriving households report an average income of $89,439 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.