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NJ/Monmouth County/Atlantic Highlands

Atlantic Highlands, NJ

CitySAFMR
Monmouth County
Found 1 ZIP

City Median Investment Score

47Below average

095130300
BRFMR
Eff. Rent
0 BR$1,860$2,050
1 BR$2,050$2,260
2 BR$2,540$2,790
3 BR$3,260$3,590
4 BR$3,610$3,970
5 BR$4,152Not available
6 BR$4,774Not available
7 BR$5,490Not available
8 BR$6,314Not available

Purchase Price Calculator

Maximum purchase price
$352,676

Cost breakdown

+Likely effective rent$2,790
HUD FMR$2,540
Market rent$3,310
Est. payment standard (110%)Used$2,790
-Principal and interest-$1,783
Loan amount$282,141
Down payment$70,535
Rate6.50%
Term30 years
-Operating costs-$807
Property taxes-$353
Insurance-$175
Utilities$0
HOA$0
Management-$279
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$44,426(63.0% ROI)
Projected value
$379,794
Return breakdown
Property appreciation+$27,118
Loan principal paid down+$10,108
Rental cash flow+$7,200
5-year hold
+$76,371(108.3% ROI)
Projected value
$399,021
Return breakdown
Property appreciation+$46,345
Loan principal paid down+$18,026
Rental cash flow+$12,000
10-year hold
+$165,732(235.0% ROI)
Projected value
$451,456
Return breakdown
Property appreciation+$98,779
Loan principal paid down+$42,953
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.78
1 BR
0.80
2 BR
0.77
3 BR
0.84
4 BR
0.56
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Atlantic Highlands, NJ fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Atlantic Highlands, NJ is $2,540 a month. That is up 4.5% from $2,430 in FY 2026. Atlantic Highlands is in the Monmouth-Ocean, NJ HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. The median county two-bedroom FMR in New Jersey is $2,233, so Atlantic Highlands is 14% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Atlantic Highlands, NJ
BedroomsFY 2027Change90–110% range
Studio$1,860+6.3%$1,674–$2,046
1BR$2,050+4.1%$1,845–$2,255
2BR$2,540+4.5%$2,286–$2,794
3BR$3,260+2.5%$2,934–$3,586
4BR$3,610+2.6%$3,249–$3,971

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Atlantic Highlands, NJ
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,860$2,050$2,540$3,260$3,610
FY 2026$1,750$1,970$2,430$3,180$3,520
FY 2025$1,460$1,640$2,020$2,690$2,990
FY 2024$1,270$1,410$1,750$2,380$2,650
FY 2023$1,000$1,120$1,400$1,920$2,130

Questions about Atlantic Highlands, NJ rents

How much will Section 8 pay for a two-bedroom in Atlantic Highlands, NJ?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,540, that basic range is $2,286 to $2,794 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is Atlantic Highlands, NJ in?

Atlantic Highlands, NJ is in the Monmouth-Ocean, NJ HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in Atlantic Highlands, NJ for FY 2027?

The two-bedroom FMR rose 4.5%, from $2,430 in FY 2026 to $2,540 in FY 2027. Since FY 2023 it has risen 81.4%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set