Atco, NJ—08004
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Atco, NJ
As of Oct '25, the median home price in Atco, NJ is $348,000, with a year-over-year change of 4.7%. This indicates that home prices in Atco, NJ are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $348,000 | 4.7% |
| Single Family | $349,000 | 4.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $254,000 | 4.1% |
3 Bed | $339,000 | 3.7% |
4 Bed | $412,000 | 3.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Atco, NJ
As of July '25, Rentcast reports the average rent in Atco, NJ is $2,340, with a year-over-year rent change of -8.2%. Per bedroom, the median rent as of July '25 in Atco, NJ is 1-bedrooms: $1,130, 2-bedrooms: $2,190, 3-bedrooms: $2,400, 4-bedrooms: $3,600. The most common rental property sizes in Atco, NJ are 2-bedroom and 1-bedroom, accounting for 36.4% and 34.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,250 | $2,340 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $919 | $1,130 |
| 2 Bed Rent | $1,680 | $2,190 |
| 3 Bed Rent | $2,250 | $2,400 |
| 4 Bed Rent | $3,450 | $3,600 |
% of Rental Stock
Property Listings — Atco, NJ
As of Oct '25, Realtor.com reports that the median days on market for a home in Atco, NJ is 32. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $391,000 | 2.0% |
Listing Count | 49 | 50.0% |
| Listings as % of Homes | 0.7% | 50.0% |
Days on Market | 32 | -4.0% |
Demographics — Atco, NJ
As of the latest ACS Survey released in 2023, Atco, NJ has a population of 10,900, which has decreased by -10.6% over the past 5 years. Atco, NJ is a moderately popular place for families, as children make up 15.2% of the population. The area has a moderately educated workforce, with 28.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 10,900 | -10.6% |
% Under 18 | 15.2% | -25.1% |
% Seniors | 18.0% | 13.9% |
% WFH | 7.4% | 208.3% |
% w/ College Degree | 28.2% | 20.0% |
As of the latest ACS Survey released in 2023, Atco, NJ is a predominantly white area, with 74.8% of the population identifying as white. The white population has shrunk by 5.3% in the last 5 years. The second most common race or ethnicity in Atco, NJ is black, making up 11.6% of the population. Foreign-born residents account for 1.9% of the population in Atco, NJ, and this percentage has decreased by 71.6% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 74.8% | -5.3% |
% Black | 11.6% | 19.6% |
% Hispanic | 9.4% | 62.1% |
% Asian | 0.7% | -63.2% |
% Foreign Born | 1.9% | -71.6% |
Mortgage and Risk — Atco, NJ
According to HUD data as of 2023, there were 294 mortgage originations in Atco, NJ, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Atco, NJ. Investor activity is low, as 1.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 294 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Atco, NJ
As of 2024, the percent of homes in Atco, NJ under the Section 8 program is 1.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Atco, NJ, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 8 |
Total Units Section 8 | 8 |
% Rentals under Section 8 | 1.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $791 | $919 | $1,710 |
| 2 Bedroom | $380 | $1,680 | $2,060 |
| 3 Bedroom | $240 | $2,250 | $2,490 |
| 4 Bedroom | -$580 | $3,450 | $2,870 |
Affordability — Atco, NJ
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $348,000 |
| Median Household Income | $107,000 |