Overall
Diff -0.7 RPP
Albany-Schenectady-Troy vs Atlantic City-Hammonton
Cost of living comparison based on BEA Regional Price Parities. Atlantic City-Hammonton is 0.7% less expensive than Albany-Schenectady-Troy.
0.7% less expensive
Atlantic City-Hammonton, NJ is 0.7% less expensive than Albany-Schenectady-Troy, NY on BEA Regional Price Parities (overall RPP 98.9 vs 99.6). A $100,000 salary in Albany-Schenectady-Troy buys about the same as $99,288 in Atlantic City-Hammonton; the largest component gap is services.
- Overall RPP 99.6 (Albany-Schenectady-Troy) vs 98.9 (Atlantic City-Hammonton)
- $100k in Albany-Schenectady-Troy ≈ $99,288 purchasing power in Atlantic City-Hammonton
- Services drives the gap (-24.8 RPP points)
RPP parity plate
Pair NY:NJ 99.6→98.9
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE NY × NJ
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Albany-Schenectady-Troy
99.6
Cost Index
Atlantic City-Hammonton
98.9
Cost Index
What This Comparison Actually Tells You
Albany-Schenectady-Troy, NY and Atlantic City-Hammonton, NJ are a photo finish on overall price level, only 0.7 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Atlantic City-Hammonton is 24.8 points lower. But goods move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Albany-Schenectady-Troy to $99,288 in Atlantic City-Hammonton, but it is not a personal spending weight.
Category Breakdown
Goods
Diff +0.1 RPP
Services
- Albany-Schenectady-Troy
- 134.0
- Atlantic City-Hammonton
- 109.2
Diff -24.8 RPP
Rents
- Albany-Schenectady-Troy
- 102.6
Diff -3.9 RPP
| Category | Albany-Schenectady-Troy | Atlantic City-Hammonton | Difference |
|---|---|---|---|
| Overall | 99.6 | 98.9 | -0.7 |
| Goods | 99.7 | 99.8 | +0.1 |
| Services | 134.0 | 109.2 | -24.8 |
| Rents | 102.6 | 98.7 | -3.9 |
Visual Comparison
Overall
Albany-Schenectady-Troy 99.6
Atlantic City-Hammonton 98.9
Goods
Albany-Schenectady-Troy 99.7
Atlantic City-Hammonton 99.8
Services
Albany-Schenectady-Troy 134.0
Atlantic City-Hammonton 109.2
Rents
Albany-Schenectady-Troy 102.6
Atlantic City-Hammonton 98.7
Vertical line = national average (100)
How the Price Gap Changed
Albany-Schenectady-Troy and Atlantic City-Hammonton share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 8.3 to 0.7 RPP points. Albany-Schenectady-Troy remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 32.2 points between the first and latest shared releases (28.3 to 3.9 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Albany-Schenectady-Troy RPP | Atlantic City-Hammonton RPP | Relative Gap |
|---|---|---|---|
| 2008 | 102.4 | 110.7 | 8.3 points Atlantic City-Hammonton higher |
| 2012 | 99.5 | 104.6 | 5.1 points Atlantic City-Hammonton higher |
| 2016 | 101.1 | 102.6 | 1.5 points Atlantic City-Hammonton higher |
| 2020 | 99.0 | 101.2 | 2.2 points Atlantic City-Hammonton higher |
| 2024 | 99.6 | 98.9 | 0.7 points Albany-Schenectady-Troy higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Salary Equivalents
What a salary in Albany-Schenectady-Troy would need to be in Atlantic City-Hammonton for the same purchasing power:
| In Albany-Schenectady-Troy | In Atlantic City-Hammonton | Difference |
|---|---|---|
| $50,000 | $49,644 | $-356 |
| $75,000 | $74,466 | $-534 |
| $100,000 | $99,288 | $-712 |
| $150,000 | $148,932 | $-1,068 |
$ in Albany-Schenectady-Troy = in Atlantic City-Hammonton
Same BEA Regional Price Parity ratio as the table above (99.6 → 98.9), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Atlantic City-Hammonton more expensive than Albany-Schenectady-Troy?
Atlantic City-Hammonton is 0.7% less expensive than Albany-Schenectady-Troy. The overall cost index is 98.9 vs 99.6 (national average = 100).
What salary in Atlantic City-Hammonton equals $100K in Albany-Schenectady-Troy?
A $100,000 salary in Albany-Schenectady-Troy has the same purchasing power as $99,288 in Atlantic City-Hammonton. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Albany-Schenectady-Troy and Atlantic City-Hammonton?
Rents in Albany-Schenectady-Troy are indexed at 102.6 while Atlantic City-Hammonton is at 98.7 (national average = 100). Albany-Schenectady-Troy has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.