Overall
Diff -3.7 RPP
Philadelphia-Camden-Wilmington vs Atlantic City-Hammonton
Cost of living comparison based on BEA Regional Price Parities. Atlantic City-Hammonton is 3.6% less expensive than Philadelphia-Camden-Wilmington.
3.6% less expensive
Atlantic City-Hammonton, NJ is 3.6% less expensive than Philadelphia-Camden-Wilmington, PA-NJ-DE-MD on BEA Regional Price Parities (overall RPP 98.9 vs 102.6). A $100,000 salary in Philadelphia-Camden-Wilmington buys about the same as $96,395 in Atlantic City-Hammonton; the largest component gap is rents.
- Overall RPP 102.6 (Philadelphia-Camden-Wilmington) vs 98.9 (Atlantic City-Hammonton)
- $100k in Philadelphia-Camden-Wilmington ≈ $96,395 purchasing power in Atlantic City-Hammonton
- Rents drives the gap (-14.5 RPP points)
RPP parity plate
Pair PA:NJ 102.6→98.9
TIER-NEAR · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE PA × NJ
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- PP-SHIFT PP shift
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.
Category Breakdown
| Category | Philadelphia-Camden-Wilmington | Atlantic City-Hammonton | Difference |
|---|---|---|---|
| Overall | 102.6 | 98.9 | -3.7 |
| Goods | 96.8 | 99.8 | +3.0 |
| Services | 114.4 | 109.2 | -5.2 |
| Rents | 113.1 | 98.7 | -14.5 |
Visual Comparison
Overall
Philadelphia-Camden-Wilmington 102.6
Atlantic City-Hammonton 98.9
Goods
Philadelphia-Camden-Wilmington 96.8
Atlantic City-Hammonton 99.8
Services
Philadelphia-Camden-Wilmington 114.4
Atlantic City-Hammonton 109.2
Rents
Philadelphia-Camden-Wilmington 113.1
Atlantic City-Hammonton 98.7
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: Atlantic City-Hammonton is 14.5 points lower. But goods move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Atlantic City-Hammonton, NJ is 3.6% less expensive than Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, a meaningful but not extreme shift. The move decision turns on which budget category creates the 3.7-point overall gap.
This route crosses the national benchmark: Philadelphia-Camden-Wilmington is above 100 while Atlantic City-Hammonton is below it. That makes the move a change of price regime, not merely a rank swap.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Philadelphia-Camden-Wilmington corresponds to $96,395 in Atlantic City-Hammonton.
Philadelphia-Camden-Wilmington
102.6
Cost Index
Atlantic City-Hammonton
98.9
Cost Index
Salary Equivalents
What a salary in Philadelphia-Camden-Wilmington would need to be in Atlantic City-Hammonton for the same purchasing power:
| In Philadelphia-Camden-Wilmington | In Atlantic City-Hammonton | Difference |
|---|---|---|
| $50,000 | $48,198 | $-1,802 |
| $75,000 | $72,296 | $-2,704 |
| $100,000 | $96,395 | $-3,605 |
| $150,000 | $144,593 | $-5,407 |
$ in Philadelphia-Camden-Wilmington = in Atlantic City-Hammonton
Same BEA Regional Price Parity ratio as the table above (102.6 → 98.9), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Philadelphia-Camden-Wilmington and Atlantic City-Hammonton share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 4.3 to 3.7 RPP points. Philadelphia-Camden-Wilmington remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 31.3 points between the first and latest shared releases (16.9 to 14.5 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Philadelphia-Camden-Wilmington RPP | Atlantic City-Hammonton RPP | Relative Gap |
|---|---|---|---|
| 2008 | 106.4 | 110.7 | 4.3 points Atlantic City-Hammonton higher |
| 2012 | 103.9 | 104.6 | 0.7 points Atlantic City-Hammonton higher |
| 2016 | 102.5 | 102.6 | 0.1 points Atlantic City-Hammonton higher |
| 2020 | 102.3 | 101.2 | 1.2 points Philadelphia-Camden-Wilmington higher |
| 2024 | 102.6 | 98.9 | 3.7 points Philadelphia-Camden-Wilmington 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.
Frequently Asked Questions
Is Atlantic City-Hammonton more expensive than Philadelphia-Camden-Wilmington?
Atlantic City-Hammonton is 3.6% less expensive than Philadelphia-Camden-Wilmington. The overall cost index is 98.9 vs 102.6 (national average = 100).
What salary in Atlantic City-Hammonton equals $100K in Philadelphia-Camden-Wilmington?
A $100,000 salary in Philadelphia-Camden-Wilmington has the same purchasing power as $96,395 in Atlantic City-Hammonton. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Philadelphia-Camden-Wilmington and Atlantic City-Hammonton?
Rents in Philadelphia-Camden-Wilmington are indexed at 113.1 while Atlantic City-Hammonton is at 98.7 (national average = 100). Philadelphia-Camden-Wilmington 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.