The typical owner-occupied home in Atlantic is worth about $125,000, 51% below the Pennsylvania median of $254,500 and 62% below the national median of $332,700. Owners pay a median $2,545 a year in property taxes, about 2.04% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $88,333 a year, so the median home costs 1.4 times the median income (3.3 times for Pennsylvania). 91% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Atlantic at a glance
| Atlantic | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $125,000 | $254,500 | $332,700 |
| Median property tax paid per year | $2,545 | $3,311 | $3,119 |
| Property tax as a share of value | 2.04% | 1.30% | 0.94% |
| Median household income | $88,333 | $77,971 | $80,734 |
| Homes lived in by their owners | 91% | 69% | 65% |
| Owner homes with a mortgage | 45% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,063 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 19.4% | 21.0% |
| Median rent | – | $1,209 | $1,413 |
| Median year homes were built | 1986 | 1965 | 1980 |
| Vacant homes | 31.2% | 9.2% | 10.1% |
| Population | 56 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Atlantic
At this week's average 30-year rate of 7.11%, buying the median Atlantic home of $125,000 with 20% down costs about $937 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,146, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $40,170 for the 20%-down payment. That payment is 13% of the median Atlantic household income of $88,333; at that income and 20% down, the 28% guideline points to a home of about $275,000.
| Down payment | $25,000 |
|---|---|
| Loan amount | $100,000 |
| Principal and interest | $673 |
| Property taxes (2.04% a year) | $212 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $937 |
Change the numbers in the calculator
| Down payment | $4,375 |
|---|---|
| Loan amount | $122,736 |
| Principal and interest | $826 |
| Property taxes (2.04% a year) | $212 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $55 |
| Total per month | $1,146 |
Change the numbers in the calculator
Questions about home buying in Atlantic
What is the median home value in Atlantic?
About $125,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Atlantic?
Homeowners pay a median $2,545 a year, which is about 2.04% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Atlantic?
For the median home with 20% down at 7.11%, the payment is about $937 a month. Keeping that under 28% of gross income takes about $40,170 a year.
More about Atlantic
- Mortgage Refinance in Atlantic
- Debt Relief in Atlantic
- Home Equity Loans in Atlantic
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data