NJ/Middlesex County/PORT READING
PORT READING, NJ
CityFMR
Middlesex County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,804$1,980
1 BR$1,978$2,150
2 BR$2,486$2,700
3 BR$2,981$3,080
4 BR$3,296$3,400
5 BR$3,790
6 BR$4,359
7 BR$5,013
8 BR$5,765

Purchase Price Calculator

Maximum purchase price
$339,302

Cost breakdown

+Likely effective rent$2,700
HUD FMR$2,486
Market rent$2,820
Est. payment standard (109%)Used$2,700
Estimated payment standard is $2,700 (109% of FMR).
-Principal and interest-$1,716
Loan amount$271,442
Down payment$67,860
Rate6.50%
Term30 years
-Operating costs-$784
Property taxes-$339
Insurance-$175
Utilities$0
HOA$0
Management-$270
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,014(63.4% ROI)
Projected value
$365,392
Current value$339,302
Return breakdown
Property appreciation+$26,089
Loan principal paid down+$9,725
Rental cash flow+$7,200
5-year hold
+$73,930(108.9% ROI)
Projected value
$383,890
Current value$339,302
Return breakdown
Property appreciation+$44,587
Loan principal paid down+$17,342
Rental cash flow+$12,000
10-year hold
+$160,357(236.3% ROI)
Projected value
$434,336
Current value$339,302
Return breakdown
Property appreciation+$95,033
Loan principal paid down+$41,324
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- 07064
0.67ratio
FMR$1,804
Market$2,680
vs market-$876

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

90% standard$1,624 / 0.61 ratio110% standard$1,984 / 0.74 ratio
0.67
1 BR
1 BR- 07064
0.88ratio
FMR$1,978
Market$2,250
vs market-$272

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

90% standard$1,780 / 0.79 ratio110% standard$2,176 / 0.97 ratio
0.88
2 BR
2 BR- 07064
0.88ratio
FMR$2,486
Market$2,820
vs market-$334

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

90% standard$2,237 / 0.79 ratio110% standard$2,735 / 0.97 ratio
0.88
3 BR
3 BR- 07064
0.95ratio
FMR$2,981
Market$3,140
vs market-$159

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

90% standard$2,683 / 0.85 ratio110% standard$3,279 / 1.04 ratio
0.95
4 BR
4 BR- 07064
0.96ratio
FMR$3,296
Market$3,450
vs market-$154

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

90% standard$2,966 / 0.86 ratio110% standard$3,626 / 1.05 ratio
0.96
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 PORT READING, 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

PORT READING, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for PORT READING, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,486 and the 4 bedroom fair market rent is $3,296.

Use this page for searches like PORT READING, NJ FMR, PORT READING, NJ fair market rent, and PORT READING, 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 PORT READING, NJ
Bedroom sizeHUD FMR
Studio$1,804
1 bedroom$1,978
2 bedroom$2,486
3 bedroom$2,981
4 bedroom$3,296