Home/NJ/Bergen County
Bergen County, NJ
CountyFMR
Found 74 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,778▲$1,610 – $1,960
1 BR$2,024▲$1,800 – $2,230
2 BR$2,324▲$2,340 – $2,560
3 BR$2,835▲$2,860 – $3,120
4 BR$3,618▲$3,260 – $3,980
5 BR$4,161▲—
6 BR$4,785▲—
7 BR$5,503▲—
8 BR$6,328▲—

Purchase Price Calculator

Maximum purchase price
$318,498

Cost breakdown

+Likely effective rent$2,560
HUD FMR$2,324
Market rent$3,430
Est. payment standard (110%)Used$2,560
Estimated payment standard is $2,560 (110% of FMR).
-Principal and interest-$1,611
Loan amount$254,799
Down payment$63,700
Rate6.50%
Term30 years
-Operating costs-$749
Property taxes-$318
Insurance-$175
Utilities$0
HOA$0
Management-$256
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,818(64.1% ROI)
Projected value
$342,988
Current value$318,498
Return breakdown
Property appreciation+$24,490
Loan principal paid down+$9,129
Rental cash flow+$7,200
5-year hold
+$70,132(110.1% ROI)
Projected value
$360,352
Current value$318,498
Return breakdown
Property appreciation+$41,853
Loan principal paid down+$16,279
Rental cash flow+$12,000
10-year hold
+$151,997(238.6% ROI)
Projected value
$407,705
Current value$318,498
Return breakdown
Property appreciation+$89,206
Loan principal paid down+$38,790
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- 50 ZIPs
0.24-0.63ratio range
Median FMR$1,778
Median Market$3,610
vs market-$1,832

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

50
Studio- 5 ZIPs
0.66-0.68ratio range
Median FMR$1,778
Median Market$2,670
vs market-$892

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

90% standard$1,600 / 0.60 ratio110% standard$1,956 / 0.73 ratio
Studio- 2 ZIPs
0.70-0.72ratio range
Median FMR$1,778
Median Market$2,495
vs market-$717

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

90% standard$1,600 / 0.64 ratio110% standard$1,956 / 0.78 ratio
Studio- 5 ZIPs
0.74-0.75ratio range
Median FMR$1,778
Median Market$2,390
vs market-$612

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

90% standard$1,600 / 0.67 ratio110% standard$1,956 / 0.82 ratio
Studio- 4 ZIPs
0.77-0.80ratio range
Median FMR$1,778
Median Market$2,245
vs market-$467

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

90% standard$1,600 / 0.71 ratio110% standard$1,956 / 0.87 ratio
Studio- 3 ZIPs
0.82-0.85ratio range
Median FMR$1,778
Median Market$2,140
vs market-$362

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

90% standard$1,600 / 0.75 ratio110% standard$1,956 / 0.91 ratio
Studio- 1 ZIP
0.86ratio
FMR$1,778
Market$2,070
vs market-$292

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

90% standard$1,600 / 0.77 ratio110% standard$1,956 / 0.94 ratio
Studio- 2 ZIPs
0.99-1.00ratio range
Median FMR$1,778
Median Market$1,780
vs market-$2

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

90% standard$1,600 / 0.90 ratio110% standard$1,956 / 1.10 ratio
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
Studio- 1 ZIP
1.10ratio
FMR$1,778
Market$1,610
vs market+$168

FMR is above market; underwrite to market rent.

90% standard$1,600 / 0.99 ratio110% standard$1,956 / 1.21 ratio
0.24-1.10
1 BR
1 BR- 10 ZIPs
0.70-0.73ratio range
Median FMR$2,024
Median Market$2,825
vs market-$801

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

90% standard$1,822 / 0.64 ratio110% standard$2,226 / 0.79 ratio
10
1 BR- 7 ZIPs
0.74-0.77ratio range
Median FMR$2,024
Median Market$2,660
vs market-$636

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

90% standard$1,822 / 0.68 ratio110% standard$2,226 / 0.84 ratio
7
1 BR- 12 ZIPs
0.78-0.81ratio range
Median FMR$2,024
Median Market$2,530
vs market-$506

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

90% standard$1,822 / 0.72 ratio110% standard$2,226 / 0.88 ratio
12
1 BR- 12 ZIPs
0.82-0.85ratio range
Median FMR$2,024
Median Market$2,410
vs market-$386

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

90% standard$1,822 / 0.76 ratio110% standard$2,226 / 0.92 ratio
12
1 BR- 7 ZIPs
0.86-0.90ratio range
Median FMR$2,024
Median Market$2,300
vs market-$276

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

90% standard$1,822 / 0.79 ratio110% standard$2,226 / 0.97 ratio
7
1 BR- 7 ZIPs
0.90-0.93ratio range
Median FMR$2,024
Median Market$2,210
vs market-$186

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

90% standard$1,822 / 0.82 ratio110% standard$2,226 / 1.01 ratio
7
1 BR- 6 ZIPs
0.94-0.97ratio range
Median FMR$2,024
Median Market$2,105
vs market-$81

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

90% standard$1,822 / 0.87 ratio110% standard$2,226 / 1.06 ratio
6
1 BR- 5 ZIPs
0.99-1.02ratio range
Median FMR$2,024
Median Market$2,030
vs market-$6

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

90% standard$1,822 / 0.90 ratio110% standard$2,226 / 1.10 ratio
1 BR- 4 ZIPs
1.03-1.06ratio range
Median FMR$2,024
Median Market$1,965
vs market+$59

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

90% standard$1,822 / 0.93 ratio110% standard$2,226 / 1.13 ratio
1 BR- 3 ZIPs
1.07-1.09ratio range
Median FMR$2,024
Median Market$1,860
vs market+$164

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

90% standard$1,822 / 0.98 ratio110% standard$2,226 / 1.20 ratio
1 BR- 1 ZIP
1.12ratio
FMR$2,024
Market$1,800
vs market+$224

FMR is above market; underwrite to market rent.

90% standard$1,822 / 1.01 ratio110% standard$2,226 / 1.24 ratio
0.70-1.12
2 BR
2 BR- 32 ZIPs
0.49-0.64ratio range
Median FMR$2,324
Median Market$4,055
vs market-$1,731

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

90% standard$2,092 / 0.52 ratio110% standard$2,556 / 0.63 ratio
32
2 BR- 7 ZIPs
0.64-0.69ratio range
Median FMR$2,324
Median Market$3,480
vs market-$1,156

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

90% standard$2,092 / 0.60 ratio110% standard$2,556 / 0.73 ratio
2 BR- 11 ZIPs
0.69-0.72ratio range
Median FMR$2,324
Median Market$3,260
vs market-$936

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

90% standard$2,092 / 0.64 ratio110% standard$2,556 / 0.78 ratio
2 BR- 6 ZIPs
0.74-0.76ratio range
Median FMR$2,324
Median Market$3,130
vs market-$806

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

90% standard$2,092 / 0.67 ratio110% standard$2,556 / 0.82 ratio
2 BR- 7 ZIPs
0.78-0.80ratio range
Median FMR$2,324
Median Market$2,960
vs market-$636

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

90% standard$2,092 / 0.71 ratio110% standard$2,556 / 0.86 ratio
2 BR- 7 ZIPs
0.82-0.85ratio range
Median FMR$2,324
Median Market$2,820
vs market-$496

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

90% standard$2,092 / 0.74 ratio110% standard$2,556 / 0.91 ratio
2 BR- 1 ZIP
0.89ratio
FMR$2,324
Market$2,600
vs market-$276

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

90% standard$2,092 / 0.80 ratio110% standard$2,556 / 0.98 ratio
2 BR- 2 ZIPs
0.93-0.94ratio range
Median FMR$2,324
Median Market$2,495
vs market-$171

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

90% standard$2,092 / 0.84 ratio110% standard$2,556 / 1.02 ratio
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
0.49-0.99
3 BR
3 BR- 22 ZIPs
0.54-0.64ratio range
Median FMR$2,835
Median Market$4,550
vs market-$1,715

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

90% standard$2,552 / 0.56 ratio110% standard$3,119 / 0.69 ratio
22
3 BR- 9 ZIPs
0.65-0.68ratio range
Median FMR$2,835
Median Market$4,320
vs market-$1,485

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

90% standard$2,552 / 0.59 ratio110% standard$3,119 / 0.72 ratio
3 BR- 12 ZIPs
0.69-0.73ratio range
Median FMR$2,835
Median Market$4,000
vs market-$1,165

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

90% standard$2,552 / 0.64 ratio110% standard$3,119 / 0.78 ratio
12
3 BR- 7 ZIPs
0.74-0.75ratio range
Median FMR$2,835
Median Market$3,810
vs market-$975

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

90% standard$2,552 / 0.67 ratio110% standard$3,119 / 0.82 ratio
3 BR- 12 ZIPs
0.77-0.81ratio range
Median FMR$2,835
Median Market$3,575
vs market-$740

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

90% standard$2,552 / 0.71 ratio110% standard$3,119 / 0.87 ratio
12
3 BR- 4 ZIPs
0.82-0.85ratio range
Median FMR$2,835
Median Market$3,435
vs market-$600

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

90% standard$2,552 / 0.74 ratio110% standard$3,119 / 0.91 ratio
3 BR- 3 ZIPs
0.86-0.89ratio range
Median FMR$2,835
Median Market$3,250
vs market-$415

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

90% standard$2,552 / 0.79 ratio110% standard$3,119 / 0.96 ratio
3 BR- 3 ZIPs
0.90-0.93ratio range
Median FMR$2,835
Median Market$3,150
vs market-$315

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

90% standard$2,552 / 0.81 ratio110% standard$3,119 / 0.99 ratio
3 BR- 1 ZIP
0.94ratio
FMR$2,835
Market$3,000
vs market-$165

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

90% standard$2,552 / 0.85 ratio110% standard$3,119 / 1.04 ratio
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
0.54-0.98
4 BR
4 BR- 11 ZIPs
0.50-0.64ratio range
Median FMR$3,618
Median Market$6,300
vs market-$2,682

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

90% standard$3,256 / 0.52 ratio110% standard$3,980 / 0.63 ratio
11
4 BR- 8 ZIPs
0.65-0.69ratio range
Median FMR$3,618
Median Market$5,345
vs market-$1,727

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

90% standard$3,256 / 0.61 ratio110% standard$3,980 / 0.74 ratio
8
4 BR- 13 ZIPs
0.69-0.73ratio range
Median FMR$3,618
Median Market$5,050
vs market-$1,432

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

90% standard$3,256 / 0.64 ratio110% standard$3,980 / 0.79 ratio
13
4 BR- 10 ZIPs
0.73-0.76ratio range
Median FMR$3,618
Median Market$4,870
vs market-$1,252

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

90% standard$3,256 / 0.67 ratio110% standard$3,980 / 0.82 ratio
10
4 BR- 5 ZIPs
0.80-0.81ratio range
Median FMR$3,618
Median Market$4,500
vs market-$882

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

90% standard$3,256 / 0.72 ratio110% standard$3,980 / 0.88 ratio
4 BR- 3 ZIPs
0.82-0.85ratio range
Median FMR$3,618
Median Market$4,370
vs market-$752

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

90% standard$3,256 / 0.75 ratio110% standard$3,980 / 0.91 ratio
4 BR- 7 ZIPs
0.86-0.90ratio range
Median FMR$3,618
Median Market$4,060
vs market-$442

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

90% standard$3,256 / 0.80 ratio110% standard$3,980 / 0.98 ratio
7
4 BR- 8 ZIPs
0.90-0.93ratio range
Median FMR$3,618
Median Market$3,965
vs market-$347

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

90% standard$3,256 / 0.82 ratio110% standard$3,980 / 1.00 ratio
8
4 BR- 1 ZIP
0.98ratio
FMR$3,618
Market$3,710
vs market-$92

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

90% standard$3,256 / 0.88 ratio110% standard$3,980 / 1.07 ratio
4 BR- 2 ZIPs
1.00-1.01ratio range
Median FMR$3,618
Median 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
4 BR- 1 ZIP
1.04ratio
FMR$3,618
Market$3,470
vs market+$148

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

90% standard$3,256 / 0.94 ratio110% standard$3,980 / 1.15 ratio
4 BR- 3 ZIPs
1.08-1.09ratio range
Median FMR$3,618
Median Market$3,330
vs market+$288

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

90% standard$3,256 / 0.98 ratio110% standard$3,980 / 1.20 ratio
4 BR- 2 ZIPs
1.11ratio range
Median FMR$3,618
Median Market$3,265
vs market+$353

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.00 ratio110% standard$3,980 / 1.22 ratio
0.50-1.11
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 Bergen County, 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 geos
Related ZIPs
07010070200702207024070260703107032070470705707070

Bergen County, NJ fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for Bergen County, 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 Bergen County, NJ FMR, Bergen County, NJ fair market rent, and Bergen County, 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 Bergen County, NJ
Bedroom sizeHUD FMR
Studio$1,778
1 bedroom$2,024
2 bedroom$2,324
3 bedroom$2,835
4 bedroom$3,618
07010 FMR07020 FMR07022 FMR07024 FMR07026 FMR07031 FMR07032 FMR07047 FMR