KEARNY, NJ
CityFMR
Bergen County
Found 2 ZIPs
BRFMR
Eff. Rent
0 BR$1,778$1,720 – $1,950
1 BR$2,024$1,890 – $2,090
2 BR$2,324$2,340 – $2,540
3 BR$2,835$2,860 – $3,060
4 BR$3,618$3,260 – $3,610
5 BR$4,161
6 BR$4,785
7 BR$5,503
8 BR$6,328

Purchase Price Calculator

Maximum purchase price
$300,667

Cost breakdown

+Likely effective rent$2,440
HUD FMR$2,324
Market rent$2,505
Est. payment standard (105%)Used$2,440
Estimated payment standard is $2,440 (105% of FMR).
-Principal and interest-$1,520
Loan amount$240,533
Down payment$60,133
Rate6.50%
Term30 years
-Operating costs-$720
Property taxes-$301
Insurance-$175
Utilities$0
HOA$0
Management-$244
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,936(64.7% ROI)
Projected value
$323,785
Current value$300,667
Return breakdown
Property appreciation+$23,118
Loan principal paid down+$8,618
Rental cash flow+$7,200
5-year hold
+$66,878(111.2% ROI)
Projected value
$340,177
Current value$300,667
Return breakdown
Property appreciation+$39,510
Loan principal paid down+$15,368
Rental cash flow+$12,000
10-year hold
+$144,831(240.8% ROI)
Projected value
$384,879
Current value$300,667
Return breakdown
Property appreciation+$84,212
Loan principal paid down+$36,618
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- 1 ZIP
0.87ratio
FMR$1,778
Market$2,050
vs market-$272

FMR is below market; voucher rent may lag private rents.

90% standard$1,600 / 0.78 ratio110% standard$1,956 / 0.95 ratio
1
Studio- 1 ZIP
1.03ratio
FMR$1,778
Market$1,720
vs market+$58

FMR is near market; voucher and private rents are aligned.

90% standard$1,600 / 0.93 ratio110% standard$1,956 / 1.14 ratio
1
0.87-1.03
1 BR
1 BR- 1 ZIP
0.95ratio
FMR$2,024
Market$2,120
vs market-$96

FMR is near market; voucher and private rents are aligned.

90% standard$1,822 / 0.86 ratio110% standard$2,226 / 1.05 ratio
1
1 BR- 1 ZIP
1.07ratio
FMR$2,024
Market$1,890
vs market+$134

FMR is near market; voucher and private rents are aligned.

90% standard$1,822 / 0.96 ratio110% standard$2,226 / 1.18 ratio
1
0.95-1.07
2 BR
2 BR- 1 ZIP
0.87ratio
FMR$2,324
Market$2,660
vs market-$336

FMR is below market; voucher rent may lag private rents.

90% standard$2,092 / 0.79 ratio110% standard$2,556 / 0.96 ratio
1
2 BR- 1 ZIP
0.99ratio
FMR$2,324
Market$2,350
vs market-$26

FMR is near market; voucher and private rents are aligned.

90% standard$2,092 / 0.89 ratio110% standard$2,556 / 1.09 ratio
1
0.87-0.99
3 BR
3 BR- 1 ZIP
0.89ratio
FMR$2,835
Market$3,180
vs market-$345

FMR is below market; voucher rent may lag private rents.

90% standard$2,552 / 0.80 ratio110% standard$3,119 / 0.98 ratio
1
3 BR- 1 ZIP
0.98ratio
FMR$2,835
Market$2,880
vs market-$45

FMR is near market; voucher and private rents are aligned.

90% standard$2,552 / 0.89 ratio110% standard$3,119 / 1.08 ratio
1
0.89-0.98
4 BR
4 BR- 1 ZIP
1.00ratio
FMR$3,618
Market$3,610
vs market+$8

FMR is near market; voucher and private rents are aligned.

90% standard$3,256 / 0.90 ratio110% standard$3,980 / 1.10 ratio
1
4 BR- 1 ZIP
1.11ratio
FMR$3,618
Market$3,260
vs market+$358

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.00 ratio110% standard$3,980 / 1.22 ratio
1
1.00-1.11
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

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 KEARNY, 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

KEARNY, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for KEARNY, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,324 and the 4 bedroom fair market rent is $3,618.

Use this page for searches like KEARNY, NJ FMR, KEARNY, NJ fair market rent, and KEARNY, 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 KEARNY, NJ
Bedroom sizeHUD FMR
Studio$1,778
1 bedroom$2,024
2 bedroom$2,324
3 bedroom$2,835
4 bedroom$3,618