Atlantic County, NJ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.47, -74.63.
Assembled 2026-10-07. Read the brief.
- 84th pct · 490th of 3,063 US counties · median $234,566
- 15th pct · 18th of 21 New Jersey counties · median $588,036
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
- 60th pct · 1,210th of 3,063 US counties · median +2.9%
- 60th pct · 9th of 21 New Jersey counties · median +3.2%
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
- 85th pct · 203rd of 1,399 US counties · median $1,496
- 20th pct · 17th of 21 New Jersey counties · median $2,286
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
- 91st pct · 264th of 3,221 US counties · median 8,232
- 30th pct · 15th of 21 New Jersey counties · median 188,702
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
- 76th pct · 749th of 3,221 US counties · median $1,039
- 20th pct · 17th of 21 New Jersey counties · median $1,446
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
- 80th pct · 594th of 3,063 US counties · median 4.3
- 45th pct · 12th of 21 New Jersey counties · median 6.2
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $385,559 (Aug 2026), +3.9% over one year, +44.5% over five
- 84th pct · 490th of 3,063 US counties · median $234,566
- 15th pct · 18th of 21 New Jersey counties · median $588,036
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Atlantic County, NJ | $385,559 · +3.9% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $2,059/mo (Aug 2026), +5.1% over one year; price-to-rent 15.6
- 85th pct · 203rd of 1,399 US counties · median $1,496
- 20th pct · 17th of 21 New Jersey counties · median $2,286
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Atlantic County, NJ | $2,059/mo · +5.1% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,110 a month on $385,559 at 7.28%, against an average weekly wage worth $5,217 a month: 40.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $385,559 × 80% = $308,447, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,110/mo principal and interest
- wage share = payment / (avg weekly wage $1,204 × 52 / 12 = $5,217) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $385,559 / ($1,204 × 52) = 6.2
- price-to-rent = $385,559 / ($2,059 × 12) = 15.6
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
121,216 jobs at 7,696 employers (2026 Q1); -1.1% jobs and +0.2% average weekly wage over the year
- 91st pct · 264th of 3,221 US counties · median 8,232
- 30th pct · 15th of 21 New Jersey counties · median 188,702
- counties in the Atlantic City-Hammonton metro: Rank context is unavailable: the manifest lists 2 counties in the Atlantic City-Hammonton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Atlantic County, NJ | 121,216 jobs · $1,204/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 31,806 | $824 | 2.92 | -0.9% |
| Health care and social assistance | 20,491 | $1,298 | 1.12 | +0.6% |
| Retail trade | 13,849 | $763 | 1.17 | -2.4% |
| Construction | 5,783 | $1,494 | 0.91 | -0.7% |
| Administrative and waste services | 4,884 | $941 | 0.71 | -1.1% |
| Professional and technical services | 4,095 | $1,908 | 0.49 | -2.1% |
| Other services | 3,384 | $752 | 0.93 | -1.6% |
| Arts, entertainment and recreation | 3,024 | $918 | 1.52 | +3.9% |
| Finance and insurance | 2,092 | $2,531 | 0.42 | -0.7% |
| Wholesale trade | 2,067 | $1,553 | 0.45 | +0.1% |
| Transportation and warehousing | 1,707 | $1,177 | 0.33 | -6.6% |
| Management of companies | 1,273 | $3,163 | 0.63 | -3.3% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
132 gauges · 0 flooding · 100 with quality panels averaging 95 % · 74 stale
Sites found: 132, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-01483050 | temp 21.9 °C · quality 50 % (2) · STALE | 71 km |
| Maurice R at Mauricetown NJ | temp 19.1 °C · quality 50 % (2) | 37 km |
| Cohansey River at Greenwich NJ | temp 19.6 °C · quality 50 % (2) | 62 km |
| Maurice River at Bivalve NJ | temp 19.1 °C · quality 50 % (2) | 43 km |
| Westecunk Crk Trib at Dock Rd near West Creek NJ | cond. 35,400 uS/cm · quality 0 % (1) · STALE | 35 km |
| Westecunk Crk 3700 ft US of mouth nr West Creek NJ | turb. 8.50 FNU · quality 75 % (4) · STALE | 35 km |
| Barnegat B Tdl Chanl2 at Bayview A nr Ocean Gt NJ | stage 0.50 ft · quality 50 % (2) · STALE | 67 km |
| Barnegat B Tdl Chanl1 at Bayview A nr Ocean Gt NJ | stage 0.00 ft · quality 50 % (2) · STALE | 67 km |
| Absecon Creek at Absecon NJ | stage 1.66 ft · quality 100 % (1) | 11 km |
| Morses Mill Stream at Port Republic NJ | flow 1.90 ft³/s · STALE | 12 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
186 wells in 0 named aquifers:
Sites found: 186, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-392904074333402 | depth 9.31 ft · 2006-10-11 | 7 km |
| USGS-392904074333403 | depth 7.81 ft · 2006-10-11 | 7 km |
| USGS-392904074333401 | depth 9.52 ft · 2006-10-11 | 7 km |
| USGS-392914074323401 | depth 2.93 ft · 2006-10-11 | 8 km |
| USGS-392232074234403 | depth 13.0 ft · 2026-07-07 | 8 km |
| USGS-392232074234401 | depth 86.0 ft · 1986-11-20 | 8 km |
| USGS-393232074263901 | depth 101.7 ft · 2026-10-06 | 8 km |
| USGS-393232074263903 | depth 20.4 ft · 2026-10-06 | 8 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55
Banks & federal dollars #
$7.4 bn in deposits at 43 offices of 11 banks (SOD June 2026); HHI 1,716, moderately concentrated. $2.3 bn federal obligations in FY2026 (direct payments $1.8 bn, contracts $348.4 m), $18,647 per covered job
| Item | Value | Distance |
|---|---|---|
| TD Bank, National Association | $1.9 bn · 25.6% share · 8 offices | |
| OceanFirst Bank, National Association | $1.7 bn · 23.7% share · 6 offices | |
| Bank of America, National Association | $1.2 bn · 16.2% share · 6 offices | |
| Atlantic, NJ | $2.3 bn FY2026 · $18,647/job | |
| MULTIPLE RECIPIENTS | $1.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TD Bank, National Association | $1,885,901,000 | 25.6% | 8 |
| OceanFirst Bank, National Association | $1,745,247,000 | 23.7% | 6 |
| Bank of America, National Association | $1,196,638,000 | 16.2% | 6 |
| Wells Fargo Bank, National Association | $749,959,000 | 10.2% | 5 |
| PNC Bank, National Association | $547,899,000 | 7.4% | 4 |
| Fulton Bank, National Association | $435,632,000 | 5.9% | 4 |
| Parke Bank | $434,553,000 | 5.9% | 2 |
| The First National Bank of Absecon | $175,822,000 | 2.4% | 4 |
| Truist Bank | $144,380,000 | 2.0% | 2 |
| Sturdy Savings Bank | $47,661,000 | 0.6% | 1 |
Deposit concentration is 1,716 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 25.6² + 23.7² + 16.2² + … (8 more) = 1,716
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $1,544,412,213 |
| Department of Transportation | $365,506,573 |
| Department of Veterans Affairs | $126,291,901 |
| Department of Housing and Urban Development | $86,673,900 |
| Department of Homeland Security | $53,544,256 |
| Department of Education | $39,285,170 |
| Department of Health and Human Services | $13,623,565 |
| Department of Defense | $7,630,841 |
| Department of Agriculture | $6,656,759 |
| Federal Communications Commission | $5,518,983 |
| Railroad Retirement Board | $4,284,806 |
| Department of the Interior | $3,827,371 |
That is $18,647 per covered job, against 121,216 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.3 bn / 121,216 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,647
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.69 | 2026-10-05 | +3.3% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-06 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Atlantic County, NJ: 13 findings, 6 at a watch level and 7 noted
watchAtlantic County, NJ's covered employment is -1.1% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchAtlantic County, NJ's typical home value of $385,559 scores 84 on the 0-to-100 scale across US counties but 15 across New Jersey counties, a gap of 69 points.
Period 2026-08.Show the arithmetic
- 69 = |84 across US counties - 15 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchAtlantic County, NJ's typical asking rent of $2,059 scores 86 on the 0-to-100 scale across US counties but 20 across New Jersey counties, a gap of 66 points.
Period 2026-08.Show the arithmetic
- 66 = |86 across US counties - 20 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchAtlantic County, NJ's covered employment of 121,216 scores 92 on the 0-to-100 scale across US counties but 30 across New Jersey counties, a gap of 62 points.
Period 2026 Q1.Show the arithmetic
- 62 = |92 across US counties - 30 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchAtlantic County, NJ's average weekly wage of $1,204 scores 77 on the 0-to-100 scale across US counties but 20 across New Jersey counties, a gap of 57 points.
Period 2026 Q1.Show the arithmetic
- 57 = |77 across US counties - 20 across New Jersey counties|
position among the entities that published this metric this period; not an official level
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.