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Fords, NJ

CitySAFMR
Middlesex County
Found 1 ZIP

City Median Investment Score

63Below average

095130300
BRFMR
Eff. Rent
0 BR$2,040$2,240
1 BR$2,200$2,270
2 BR$2,740$2,710
3 BR$3,260$3,330
4 BR$3,660$3,780
5 BR$4,209Not available
6 BR$4,840Not available
7 BR$5,566Not available
8 BR$6,401Not available

Purchase Price Calculator

Maximum purchase price
$340,788

Cost breakdown

+Likely effective rent$2,710
HUD FMR$2,740
Market rentUsed$2,710
Est. payment standard (99%)$2,720
-Principal and interest-$1,723
Loan amount$272,631
Down payment$68,158
Rate6.50%
Term30 years
-Operating costs-$787
Property taxes-$341
Insurance-$175
Utilities$0
HOA$0
Management-$271
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,171(63.3% ROI)
Projected value
$366,992
Return breakdown
Property appreciation+$26,203
Loan principal paid down+$9,768
Rental cash flow+$7,200
5-year hold
+$74,201(108.9% ROI)
Projected value
$385,571
Return breakdown
Property appreciation+$44,782
Loan principal paid down+$17,418
Rental cash flow+$12,000
10-year hold
+$160,955(236.2% ROI)
Projected value
$436,238
Return breakdown
Property appreciation+$95,450
Loan principal paid down+$41,505
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.77
1 BR
0.96
2 BR
1.01
3 BR
0.97
4 BR
0.95
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

Fords, NJ fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in Fords, NJ is $2,740 a month. That is up 4.2% from $2,630 in FY 2026. Fords is in the Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $2,623. The median county two-bedroom FMR in New Jersey is $2,233, so Fords is 23% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for Fords, NJ
BedroomsFY 2027Change90–110% range
Studio$2,040+6.8%$1,836–$2,244
1BR$2,200+5.3%$1,980–$2,420
2BR$2,740+4.2%$2,466–$3,014
3BR$3,260+3.5%$2,934–$3,586
4BR$3,660+4.9%$3,294–$4,026

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for Fords, NJ
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,040$2,200$2,740$3,260$3,660
FY 2026$1,910$2,090$2,630$3,150$3,490
FY 2025$1,610$1,810$2,280$2,750$3,020
FY 2024$1,630$1,830$2,310$2,800$3,080
FY 2023$1,320$1,490$1,890$2,300$2,540

Questions about Fords, NJ rents

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

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,623, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,361 to $2,885 a month; under the ZIP-level Small Area FMR of $2,740 it would be $2,466 to $3,014. 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 Fords, NJ in?

Fords, NJ is in the Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,623.

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

The two-bedroom FMR rose 4.2%, from $2,630 in FY 2026 to $2,740 in FY 2027. Since FY 2023 it has risen 45.0%.

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