ZIP Code 08401: Population, Income, Housing

State: NJ
Total population: 38,925 Household income: $41,126 Rent: $1,138

Overview

Total population
38,925
Rent
$1,138
Year built
1963
Household income
$41,126
Per capita income
$26,783
Poverty rate
32%
Unemployment rate
N/A
Household size
2.3 persons
Rent over 30% of income
56%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
New Jersey
County
Atlantic County
City
Atlantic City
Total population
38,925
Adults over 25
25,862
Total households
16,605
Household size
2.3 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$41,126
Per capita income
$26,783
Poverty rate
32%
Unemployment rate
N/A
Rent over 30% of income
56%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,138
Year built
1963
Households that rent
69.8%
Households that own
30.2%
Rooms per home (all homes)
4.1

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
19.6%
Black
30.6%
Asian
15.4%
Two or more races
12.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
31.7%
Not Hispanic or Latino
68.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
14,584 (95%)
Commute time to work
24 mins
Work from home
771 (5%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
36.4%
High school graduate or GED
32%
Some college or associate degree
9.2%
Bachelor’s degree or higher
22.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 08401 with: Atlantic County, NJ Atlantic City metro area, NJ New Jersey United States

ZIP 08401

Total population38,925
Rent$1,138
Year built1963
Household income$41,126
Per capita income$26,783
Poverty rate32%
Unemployment rateN/A

Atlantic County, NJ

Total population276,270
Rent$1,376
Year built1978
Household income$78,050
Per capita income$41,637
Poverty rate13.2%
Unemployment rate5.8%

Atlantic City Metro Area, NJ

Total population371,211
Rent$1,373
Year built1979
Household income$82,105
Per capita income$45,232
Poverty rate12%
Unemployment rate6.3%

New Jersey State

Total population9,343,809
Rent$1,720
Year built1970
Household income$103,556
Per capita income$54,253
Poverty rate9.7%
Unemployment rate4.5%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP08401 CountyAtlantic, NJMetro AreaAtlantic City metro area, NJStateNew JerseyCountryUnited States
Total population38,925276,270371,2119,343,809334,922,499
Rent$1,138$1,376$1,373$1,720$1,413
Year built19631978197919701980
Household income$41,126$78,050$82,105$103,556$80,734
Per capita income$26,783$41,637$45,232$54,253$44,673
Poverty rate32%13.2%12%9.7%12.5%
Unemployment rateN/A5.8%6.3%4.5%4%

View the full multi-level comparison →

 

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Summary for 08401

Rent & Income

In 08401, the typical monthly rent is $1,138 and the typical household income is $41,126. Rent here is lower than New Jersey, and household income is lower than New Jersey. The estimated poverty rate is 32%.

Housing & Affordability

Renters make up about 69.8% of households, making this a predominantly renter area. About 56% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 22.4% of adults holding a bachelor’s degree or higher.

 

ZIP 08401 — Rent vs Household Income

 

 

ZIP 08401 — Poverty

 

 

How ZIP 08401 compares in New Jersey (94 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,138 2 / 94 from lower rent $1,102 – $3,093
Household income $41,126 94 / 94 from higher income $41,126 – $232,629
Poverty rate 32% 93 / 94 from lower poverty 1.8% – 32%

Rankings are calculated among ZIP Codes in New Jersey with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 08401

Rent

In terms of rental prices, this ZIP stands 2nd out of 94 ZIP Codes in New Jersey. Across New Jersey, figures vary from $1,102 in ZIP 08618 up to $3,093 in ZIP 07302.

Household income

When comparing household incomes, ZIP Code 08401 stands 94th out of 94 ZIP Codes. Throughout New Jersey, numbers span from $41,126 in ZIP 08401 up to $232,629 in ZIP 07090.

Poverty rate

Looking at poverty indicators, this ZIP stands 93rd out of 94 ZIP Codes. At the state level, values extend from 1.8% in ZIP 07090 up to 32% in ZIP 08401.

 

💰 Rent in ZIP Code 08401 (with Utilities)

Estimated Monthly Rent: $1,138 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 08401

Annual Household Income: $41,126

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 08401

Estimated Rate: 32%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 08401

In ZIP Code 08401, households that rent: 11,583 (69.8%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 11,583 69.8%
Owner-Occupied 5,022 30.2%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 08401

In ZIP Code 08401, cost-burdened renters (households spending over 30% of income on housing): 6,490 (56%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 6,490 56%
Other renter households 5,093 44%
Total renter households 11,583 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 08401

Less than High School: 9,408 people (36.4%)

Includes adults who did not complete high school.

High School Graduate or GED: 8,280 people (32%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,383 people (9.2%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 5,791 people (22.4%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 25,862

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.