NJ/Ocean County/TOMS RIVER
TOMS RIVER, NJ
CityFMR
Ocean County
Found 4 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,676▲$1,840
1 BR$1,889▲$1,840 – $2,080
2 BR$2,328▲$2,240 – $2,490
3 BR$3,043▲$3,000 – $3,130
4 BR$3,371▲$3,520 – $3,640
5 BR$3,877▲—
6 BR$4,458▲—
7 BR$5,127▲—
8 BR$5,896▲—

Purchase Price Calculator

Maximum purchase price
$273,919

Cost breakdown

+Likely effective rent$2,260
HUD FMR$2,328
Market rentUsed$2,255
Est. payment standard (98%)$2,280
Market rent is below the inferred standard ($2,280, 98% of FMR).
-Principal and interest-$1,385
Loan amount$219,135
Down payment$54,784
Rate6.50%
Term30 years
-Operating costs-$675
Property taxes-$274
Insurance-$175
Utilities$0
HOA$0
Management-$226
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,113(65.9% ROI)
Projected value
$294,980
Current value$273,919
Return breakdown
Property appreciation+$21,062
Loan principal paid down+$7,851
Rental cash flow+$7,200
5-year hold
+$61,996(113.2% ROI)
Projected value
$309,914
Current value$273,919
Return breakdown
Property appreciation+$35,995
Loan principal paid down+$14,001
Rental cash flow+$12,000
10-year hold
+$134,081(244.7% ROI)
Projected value
$350,639
Current value$273,919
Return breakdown
Property appreciation+$76,720
Loan principal paid down+$33,361
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- 2 ZIPs
0.77-0.79ratio range
Median FMR$1,676
Median Market$2,140
vs market-$464

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

90% standard$1,508 / 0.70 ratio110% standard$1,844 / 0.86 ratio
2
Studio- 2 ZIPs
0.83-0.85ratio range
Median FMR$1,676
Median Market$2,000
vs market-$324

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

90% standard$1,508 / 0.75 ratio110% standard$1,844 / 0.92 ratio
2
0.77-0.85
1 BR
1 BR- 1 ZIP
0.82ratio
FMR$1,889
Market$2,300
vs market-$411

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

90% standard$1,700 / 0.74 ratio110% standard$2,078 / 0.90 ratio
1
1 BR- 2 ZIPs
0.88-0.90ratio range
Median FMR$1,889
Median Market$2,125
vs market-$236

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

90% standard$1,700 / 0.80 ratio110% standard$2,078 / 0.98 ratio
2
1 BR- 1 ZIP
1.03ratio
FMR$1,889
Market$1,840
vs market+$49

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

90% standard$1,700 / 0.92 ratio110% standard$2,078 / 1.13 ratio
1
0.82-1.03
2 BR
2 BR- 1 ZIP
0.90ratio
FMR$2,328
Market$2,580
vs market-$252

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

90% standard$2,095 / 0.81 ratio110% standard$2,561 / 0.99 ratio
2 BR- 3 ZIPs
1.03-1.04ratio range
Median FMR$2,328
Median Market$2,240
vs market+$88

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

90% standard$2,095 / 0.94 ratio110% standard$2,561 / 1.14 ratio
3
0.90-1.04
3 BR
3 BR- 1 ZIP
0.96ratio
FMR$3,043
Market$3,180
vs market-$137

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

90% standard$2,739 / 0.86 ratio110% standard$3,347 / 1.05 ratio
3 BR- 3 ZIPs
1.00-1.01ratio range
Median FMR$3,043
Median Market$3,000
vs market+$43

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

90% standard$2,739 / 0.91 ratio110% standard$3,347 / 1.12 ratio
3
0.96-1.01
4 BR
4 BR- 2 ZIPs
0.89ratio range
Median FMR$3,371
Median Market$3,785
vs market-$414

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

90% standard$3,034 / 0.80 ratio110% standard$3,708 / 0.98 ratio
2
4 BR- 2 ZIPs
0.91-0.94ratio range
Median FMR$3,371
Median Market$3,645
vs market-$274

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

90% standard$3,034 / 0.83 ratio110% standard$3,708 / 1.02 ratio
2
0.89-0.94
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 TOMS RIVER, 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.

What is FMR?What is SAFMR?Data sourcesIncomplete geosView county page
Related ZIPs
08753087540875508757

TOMS RIVER, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for TOMS RIVER, 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 TOMS RIVER, NJ FMR, TOMS RIVER, NJ fair market rent, and TOMS RIVER, 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 TOMS RIVER, NJ
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371
Ocean County fair market rent08753 FMR08754 FMR08755 FMR08757 FMR