City comparison

Atlantic City, NJ vs Ogden, UT

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Ogden, UT are 1.5% higher than in Atlantic City, NJ. Someone earning $100,000 in Atlantic City, NJ would need about $101,500 in Ogden, UT to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,537 a month in Atlantic City, NJ versus $1,281 in Ogden, UT. On $100,000, that's 25% of take-home pay in Atlantic City, NJ and 20% in Ogden, UT.
  • On $100,000, estimated state income tax is about $646 a year higher in Atlantic City, NJ than in Ogden, UT.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −9.2% moving from Atlantic City, NJ to Ogden, UT ($117,284 → $106,437), while prices change by +1.5%. Net effect of the transfer: −10.6% in real buying power.
Atlantic CityOgden
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Atlantic City, NJ: price level 98.9 (about average)
  • Ogden, UT: price level 100.3 (about average)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Atlantic City, NJOgden, UT
Price level (U.S. = 100)298.9100.3
$100,000 is worth, in the other city2$101,509 in Ogden$98,513 in Atlantic City
Typical 1-bedroom rent3$1,537/mo$1,281/mo
Take-home on $100,00014,15,8$75,000$75,646
State income tax on $100,000 (estimate)8$4,180 (NJ)$3,534 (UT)
Rent burden on $100,00025%20%
Median pay, all jobs4$47,520$48,900
Federal locality pay area7Philadelphia-Reading-Camden, PA-NJ-DE-MDRest of U.S.

Rent areas: Atlantic City-Hammonton, NJ HUD Metro FMR Area and Ogden, UT MSA. Metro areas: Atlantic City-Hammonton, NJ and Ogden, UT.

What costs more or less

Atlantic City, NJOgden, UT
Price level (U.S. = 100)Atlantic CityOgden
Housing (rent)98.7117.9
Goods99.896.4
Utilities109.278.8
Other services97.999.0
Overall98.9100.3
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Atlantic City, NJ → Ogden, UT

Roughly even

Buying power −1.5%; rent takes 20% of take-home; state tax −$646/yr.

64 Fair offer

Ogden, UT → Atlantic City, NJ

Roughly even

Buying power +1.5%; rent takes 25% of take-home; state tax +$646/yr.

73 Strong offer

On the GS pay scale?

Atlantic City, NJ is in the Philadelphia-Reading-Camden, PA-NJ-DE-MD pay area; Ogden, UT is in Rest of U.S.. The last column shows what a transfer from Atlantic City, NJ to Ogden, UT at the same grade and step does to real buying power.

Grade5,2Atlantic City, NJOgden, UTReal change, Atlantic City → Ogden
GS-9 step 1$68,013$61,722−10.6%
GS-11 step 1$82,289$74,678−10.6%
GS-12 step 1$98,630$89,508−10.6%
GS-13 step 1$117,284$106,437−10.6%
GS-14 step 1$138,595$125,776−10.6%

Pay for common jobs

Median annual pay4Atlantic City, NJOgden, UTOgden pay in Atlantic City dollars
Elementary School Teachers, Except Special Education$80,480$63,910$62,960 (−21.8%)
Software Developers$126,670$109,880$108,246 (−14.5%)
Accountants and Auditors$83,040$82,010$80,791 (−2.7%)
Registered Nurses$99,320$81,840$80,623 (−18.8%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.