NJ/Union County/IRVINGTON
IRVINGTON, NJ
CityFMR
Union County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,612$1,290
1 BR$1,822$1,510
2 BR$2,205$1,990
3 BR$2,761$2,300
4 BR$3,137$2,600
5 BR$3,608
6 BR$4,149
7 BR$4,771
8 BR$5,487

Purchase Price Calculator

Maximum purchase price
$233,797

Cost breakdown

+Likely effective rent$1,990
HUD FMR$2,205
Market rentUsed$1,990
Est. payment standard (94%)$2,070
Market rent is below the inferred standard ($2,070, 94% of FMR).
-Principal and interest-$1,182
Loan amount$187,037
Down payment$46,759
Rate6.50%
Term30 years
-Operating costs-$608
Property taxes-$234
Insurance-$175
Utilities$0
HOA$0
Management-$199
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$31,878(68.2% ROI)
Projected value
$251,773
Current value$233,797
Return breakdown
Property appreciation+$17,977
Loan principal paid down+$6,701
Rental cash flow+$7,200
5-year hold
+$54,673(116.9% ROI)
Projected value
$264,519
Current value$233,797
Return breakdown
Property appreciation+$30,723
Loan principal paid down+$11,950
Rental cash flow+$12,000
10-year hold
+$117,957(252.3% ROI)
Projected value
$299,280
Current value$233,797
Return breakdown
Property appreciation+$65,483
Loan principal paid down+$28,474
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 07111
1.25ratio
FMR$1,612
Market$1,290
vs market+$322

FMR is above market; underwrite to market rent.

90% standard$1,451 / 1.12 ratio110% standard$1,773 / 1.37 ratio
1.25
1 BR
1 BR- 07111
1.21ratio
FMR$1,822
Market$1,510
vs market+$312

FMR is above market; underwrite to market rent.

90% standard$1,640 / 1.09 ratio110% standard$2,004 / 1.33 ratio
1.21
2 BR
2 BR- 07111
1.11ratio
FMR$2,205
Market$1,990
vs market+$215

FMR is above market; underwrite to market rent.

90% standard$1,985 / 1.00 ratio110% standard$2,426 / 1.22 ratio
1.11
3 BR
3 BR- 07111
1.20ratio
FMR$2,761
Market$2,300
vs market+$461

FMR is above market; underwrite to market rent.

90% standard$2,485 / 1.08 ratio110% standard$3,037 / 1.32 ratio
1.20
4 BR
4 BR- 07111
1.21ratio
FMR$3,137
Market$2,600
vs market+$537

FMR is above market; underwrite to market rent.

90% standard$2,823 / 1.09 ratio110% standard$3,451 / 1.33 ratio
1.21
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for IRVINGTON, NJ (NJ) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled FMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

Related ZIPs

IRVINGTON, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for IRVINGTON, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,205 and the 4 bedroom fair market rent is $3,137.

Use this page for searches like IRVINGTON, NJ FMR, IRVINGTON, NJ fair market rent, and IRVINGTON, NJ Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for IRVINGTON, NJ
Bedroom sizeHUD FMR
Studio$1,612
1 bedroom$1,822
2 bedroom$2,205
3 bedroom$2,761
4 bedroom$3,137