NEPTUNE, NJ
CityFMR
Monmouth County
Found 2 ZIPs
BRFMR
Eff. Rent
0 BR$1,676$1,750 – $1,840
1 BR$1,889$1,850 – $2,080
2 BR$2,328$2,330 – $2,560
3 BR$3,043$3,350
4 BR$3,371$3,680 – $3,710
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$311,068

Cost breakdown

+Likely effective rent$2,510
HUD FMR$2,328
Market rent$2,610
Est. payment standard (108%)Used$2,510
Estimated payment standard is $2,510 (108% of FMR).
-Principal and interest-$1,573
Loan amount$248,855
Down payment$62,214
Rate6.50%
Term30 years
-Operating costs-$737
Property taxes-$311
Insurance-$175
Utilities$0
HOA$0
Management-$251
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,034(64.3% ROI)
Projected value
$334,987
Current value$311,068
Return breakdown
Property appreciation+$23,918
Loan principal paid down+$8,916
Rental cash flow+$7,200
5-year hold
+$68,776(110.5% ROI)
Projected value
$351,945
Current value$311,068
Return breakdown
Property appreciation+$40,877
Loan principal paid down+$15,899
Rental cash flow+$12,000
10-year hold
+$149,011(239.5% ROI)
Projected value
$398,194
Current value$311,068
Return breakdown
Property appreciation+$87,125
Loan principal paid down+$37,885
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
0.67ratio
FMR$1,676
Market$2,510
vs market-$834

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

90% standard$1,508 / 0.60 ratio110% standard$1,844 / 0.73 ratio
1
Studio- 1 ZIP
0.94ratio
FMR$1,676
Market$1,790
vs market-$114

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

90% standard$1,508 / 0.84 ratio110% standard$1,844 / 1.03 ratio
1
0.67-0.94
1 BR
1 BR- 1 ZIP
0.67ratio
FMR$1,889
Market$2,800
vs market-$911

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

90% standard$1,700 / 0.61 ratio110% standard$2,078 / 0.74 ratio
1
1 BR- 1 ZIP
1.02ratio
FMR$1,889
Market$1,850
vs market+$39

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

90% standard$1,700 / 0.92 ratio110% standard$2,078 / 1.12 ratio
1
0.67-1.02
2 BR
2 BR- 1 ZIP
0.81ratio
FMR$2,328
Market$2,890
vs market-$562

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

90% standard$2,095 / 0.72 ratio110% standard$2,561 / 0.89 ratio
1
2 BR- 1 ZIP
1.00ratio
FMR$2,328
Market$2,330
vs market-$2

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

90% standard$2,095 / 0.90 ratio110% standard$2,561 / 1.10 ratio
1
0.81-1.00
3 BR
3 BR- 2 ZIPs
0.81ratio range
Median FMR$3,043
Median Market$3,765
vs market-$722

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

90% standard$2,739 / 0.73 ratio110% standard$3,347 / 0.89 ratio
2
0.81-0.81
4 BR
4 BR- 1 ZIP
0.71ratio
FMR$3,371
Market$4,730
vs market-$1,359

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

90% standard$3,034 / 0.64 ratio110% standard$3,708 / 0.78 ratio
1
4 BR- 1 ZIP
0.88ratio
FMR$3,371
Market$3,840
vs market-$469

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

90% standard$3,034 / 0.79 ratio110% standard$3,708 / 0.97 ratio
1
0.71-0.88
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 NEPTUNE, 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

NEPTUNE, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for NEPTUNE, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,328 and the 4 bedroom fair market rent is $3,371.

Use this page for searches like NEPTUNE, NJ FMR, NEPTUNE, NJ fair market rent, and NEPTUNE, 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 NEPTUNE, NJ
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371