NJ/Somerset County/WHITEHOUSE STATION
WHITEHOUSE STATION, NJ
CityFMR
Somerset County
Found 1 ZIP
BRFMR
Eff. Rent
0 BR$1,804$1,980
1 BR$1,978$2,180
2 BR$2,486$2,640
3 BR$2,981$3,230
4 BR$3,296$3,420
5 BR$3,790
6 BR$4,359
7 BR$5,013
8 BR$5,765

Purchase Price Calculator

Maximum purchase price
$330,386

Cost breakdown

+Likely effective rent$2,640
HUD FMR$2,486
Market rent$2,730
Est. payment standard (106%)Used$2,640
Estimated payment standard is $2,640 (106% of FMR).
-Principal and interest-$1,671
Loan amount$264,309
Down payment$66,077
Rate6.50%
Term30 years
-Operating costs-$769
Property taxes-$330
Insurance-$175
Utilities$0
HOA$0
Management-$264
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$42,073(63.7% ROI)
Projected value
$355,790
Current value$330,386
Return breakdown
Property appreciation+$25,404
Loan principal paid down+$9,470
Rental cash flow+$7,200
5-year hold
+$72,302(109.4% ROI)
Projected value
$373,802
Current value$330,386
Return breakdown
Property appreciation+$43,415
Loan principal paid down+$16,887
Rental cash flow+$12,000
10-year hold
+$156,774(237.3% ROI)
Projected value
$422,923
Current value$330,386
Return breakdown
Property appreciation+$92,536
Loan principal paid down+$40,238
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- 08889
0.63ratio
FMR$1,804
Market$2,850
vs market-$1,046

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

90% standard$1,624 / 0.57 ratio110% standard$1,984 / 0.70 ratio
0.63
1 BR
1 BR- 08889
0.81ratio
FMR$1,978
Market$2,450
vs market-$472

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

90% standard$1,780 / 0.73 ratio110% standard$2,176 / 0.89 ratio
0.81
2 BR
2 BR- 08889
0.91ratio
FMR$2,486
Market$2,730
vs market-$244

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

90% standard$2,237 / 0.82 ratio110% standard$2,735 / 1.00 ratio
0.91
3 BR
3 BR- 08889
0.89ratio
FMR$2,981
Market$3,360
vs market-$379

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

90% standard$2,683 / 0.80 ratio110% standard$3,279 / 0.98 ratio
0.89
4 BR
4 BR- 08889
0.95ratio
FMR$3,296
Market$3,480
vs market-$184

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

90% standard$2,966 / 0.85 ratio110% standard$3,626 / 1.04 ratio
0.95
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 WHITEHOUSE STATION, 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

WHITEHOUSE STATION, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for WHITEHOUSE STATION, 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 WHITEHOUSE STATION, NJ FMR, WHITEHOUSE STATION, NJ fair market rent, and WHITEHOUSE STATION, 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 WHITEHOUSE STATION, NJ
Bedroom sizeHUD FMR
Studio$1,804
1 bedroom$1,978
2 bedroom$2,486
3 bedroom$2,981
4 bedroom$3,296