Home/NJ/Cumberland County
Cumberland County, NJ
CountyFMR
Found 25 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,280▲$1,130 – $1,410
1 BR$1,375▲$1,130 – $1,510
2 BR$1,673▲$1,610 – $1,840
3 BR$2,303▲$1,900 – $2,410
4 BR$2,311▲$1,900 – $2,530
5 BR$2,658▲—
6 BR$3,056▲—
7 BR$3,515▲—
8 BR$4,042▲—

Purchase Price Calculator

Maximum purchase price
$211,507

Cost breakdown

+Likely effective rent$1,840
HUD FMR$1,673
Market rent$2,020
Est. payment standard (110%)Used$1,840
Estimated payment standard is $1,840 (110% of FMR).
-Principal and interest-$1,069
Loan amount$169,205
Down payment$42,301
Rate6.50%
Term30 years
-Operating costs-$571
Property taxes-$212
Insurance-$175
Utilities$0
HOA$0
Management-$184
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,525(69.8% ROI)
Projected value
$227,770
Current value$211,507
Return breakdown
Property appreciation+$16,263
Loan principal paid down+$6,062
Rental cash flow+$7,200
5-year hold
+$50,604(119.6% ROI)
Projected value
$239,300
Current value$211,507
Return breakdown
Property appreciation+$27,794
Loan principal paid down+$10,811
Rental cash flow+$12,000
10-year hold
+$108,999(257.7% ROI)
Projected value
$270,747
Current value$211,507
Return breakdown
Property appreciation+$59,240
Loan principal paid down+$25,760
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
0.68ratio
FMR$1,280
Market$1,880
vs market-$600

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

90% standard$1,152 / 0.61 ratio110% standard$1,408 / 0.75 ratio
Studio- 3 ZIPs
0.70-0.71ratio range
Median FMR$1,280
Median Market$1,820
vs market-$540

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

90% standard$1,152 / 0.63 ratio110% standard$1,408 / 0.77 ratio
3
Studio- 1 ZIP
0.81ratio
FMR$1,280
Market$1,590
vs market-$310

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

90% standard$1,152 / 0.72 ratio110% standard$1,408 / 0.89 ratio
Studio- 1 ZIP
0.91ratio
FMR$1,280
Market$1,400
vs market-$120

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

90% standard$1,152 / 0.82 ratio110% standard$1,408 / 1.01 ratio
Studio- 2 ZIPs
1.06ratio range
Median FMR$1,280
Median Market$1,210
vs market+$70

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

90% standard$1,152 / 0.95 ratio110% standard$1,408 / 1.16 ratio
2
Studio- 2 ZIPs
1.08-1.09ratio range
Median FMR$1,280
Median Market$1,180
vs market+$100

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

90% standard$1,152 / 0.98 ratio110% standard$1,408 / 1.19 ratio
2
Studio- 1 ZIP
1.13ratio
FMR$1,280
Market$1,130
vs market+$150

FMR is above market; underwrite to market rent.

90% standard$1,152 / 1.02 ratio110% standard$1,408 / 1.25 ratio
0.68-1.13
1 BR
1 BR- 3 ZIPs
0.73-0.75ratio range
Median FMR$1,375
Median Market$1,860
vs market-$485

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

90% standard$1,238 / 0.67 ratio110% standard$1,513 / 0.81 ratio
3
1 BR- 1 ZIP
0.80ratio
FMR$1,375
Market$1,710
vs market-$335

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

90% standard$1,238 / 0.72 ratio110% standard$1,513 / 0.88 ratio
1 BR- 1 ZIP
0.92ratio
FMR$1,375
Market$1,490
vs market-$115

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

90% standard$1,238 / 0.83 ratio110% standard$1,513 / 1.02 ratio
1 BR- 1 ZIP
0.94ratio
FMR$1,375
Market$1,460
vs market-$85

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

90% standard$1,238 / 0.85 ratio110% standard$1,513 / 1.04 ratio
1 BR- 1 ZIP
1.00ratio
FMR$1,375
Market$1,370
vs market+$5

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

90% standard$1,238 / 0.90 ratio110% standard$1,513 / 1.10 ratio
1 BR- 1 ZIP
1.09ratio
FMR$1,375
Market$1,260
vs market+$115

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

90% standard$1,238 / 0.98 ratio110% standard$1,513 / 1.20 ratio
1 BR- 2 ZIPs
1.11-1.13ratio range
Median FMR$1,375
Median Market$1,230
vs market+$145

FMR is above market; underwrite to market rent.

90% standard$1,238 / 1.01 ratio110% standard$1,513 / 1.23 ratio
2
1 BR- 1 ZIP
1.22ratio
FMR$1,375
Market$1,130
vs market+$245

FMR is above market; underwrite to market rent.

90% standard$1,238 / 1.10 ratio110% standard$1,513 / 1.34 ratio
0.73-1.22
2 BR
2 BR- 2 ZIPs
0.76-0.77ratio range
Median FMR$1,673
Median Market$2,185
vs market-$512

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

90% standard$1,506 / 0.69 ratio110% standard$1,840 / 0.84 ratio
2
2 BR- 2 ZIPs
0.78-0.79ratio range
Median FMR$1,673
Median Market$2,135
vs market-$462

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

90% standard$1,506 / 0.71 ratio110% standard$1,840 / 0.86 ratio
2
2 BR- 3 ZIPs
0.82-0.85ratio range
Median FMR$1,673
Median Market$2,020
vs market-$347

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

90% standard$1,506 / 0.75 ratio110% standard$1,840 / 0.91 ratio
3
2 BR- 1 ZIP
0.93ratio
FMR$1,673
Market$1,790
vs market-$117

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

90% standard$1,506 / 0.84 ratio110% standard$1,840 / 1.03 ratio
2 BR- 2 ZIPs
0.95ratio range
Median FMR$1,673
Median Market$1,770
vs market-$97

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

90% standard$1,506 / 0.85 ratio110% standard$1,840 / 1.04 ratio
2
2 BR- 1 ZIP
1.04ratio
FMR$1,673
Market$1,610
vs market+$63

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

90% standard$1,506 / 0.94 ratio110% standard$1,840 / 1.14 ratio
0.76-1.04
3 BR
3 BR- 1 ZIP
0.93ratio
FMR$2,303
Market$2,470
vs market-$167

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

90% standard$2,073 / 0.84 ratio110% standard$2,533 / 1.03 ratio
3 BR- 1 ZIP
0.95ratio
FMR$2,303
Market$2,430
vs market-$127

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

90% standard$2,073 / 0.85 ratio110% standard$2,533 / 1.04 ratio
3 BR- 2 ZIPs
0.99-1.01ratio range
Median FMR$2,303
Median Market$2,300
vs market+$3

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

90% standard$2,073 / 0.90 ratio110% standard$2,533 / 1.10 ratio
2
3 BR- 1 ZIP
1.08ratio
FMR$2,303
Market$2,140
vs market+$163

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

90% standard$2,073 / 0.97 ratio110% standard$2,533 / 1.18 ratio
3 BR- 4 ZIPs
1.10-1.13ratio range
Median FMR$2,303
Median Market$2,060
vs market+$243

FMR is above market; underwrite to market rent.

90% standard$2,073 / 1.01 ratio110% standard$2,533 / 1.23 ratio
4
3 BR- 1 ZIP
1.18ratio
FMR$2,303
Market$1,960
vs market+$343

FMR is above market; underwrite to market rent.

90% standard$2,073 / 1.06 ratio110% standard$2,533 / 1.29 ratio
3 BR- 1 ZIP
1.21ratio
FMR$2,303
Market$1,900
vs market+$403

FMR is above market; underwrite to market rent.

90% standard$2,073 / 1.09 ratio110% standard$2,533 / 1.33 ratio
0.93-1.21
4 BR
4 BR- 2 ZIPs
0.87-0.88ratio range
Median FMR$2,311
Median Market$2,640
vs market-$329

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

90% standard$2,080 / 0.79 ratio110% standard$2,542 / 0.96 ratio
2
4 BR- 3 ZIPs
0.92-0.94ratio range
Median FMR$2,311
Median Market$2,480
vs market-$169

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

90% standard$2,080 / 0.84 ratio110% standard$2,542 / 1.03 ratio
3
4 BR- 3 ZIPs
1.02-1.03ratio range
Median FMR$2,311
Median Market$2,260
vs market+$51

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

90% standard$2,080 / 0.92 ratio110% standard$2,542 / 1.12 ratio
3
4 BR- 1 ZIP
1.09ratio
FMR$2,311
Market$2,120
vs market+$191

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

90% standard$2,080 / 0.98 ratio110% standard$2,542 / 1.20 ratio
4 BR- 1 ZIP
1.11ratio
FMR$2,311
Market$2,090
vs market+$221

FMR is above market; underwrite to market rent.

90% standard$2,080 / 1.00 ratio110% standard$2,542 / 1.22 ratio
4 BR- 1 ZIP
1.22ratio
FMR$2,311
Market$1,900
vs market+$411

FMR is above market; underwrite to market rent.

90% standard$2,080 / 1.09 ratio110% standard$2,542 / 1.34 ratio
0.87-1.22
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 Cumberland 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
08270083020831108313083140831508316083180832008321

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

The FY 2026 HUD Fair Market Rent (FMR) page for Cumberland County, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,673 and the 4 bedroom fair market rent is $2,311.

Use this page for searches like Cumberland County, NJ FMR, Cumberland County, NJ fair market rent, and Cumberland 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 Cumberland County, NJ
Bedroom sizeHUD FMR
Studio$1,280
1 bedroom$1,375
2 bedroom$1,673
3 bedroom$2,303
4 bedroom$2,311
08270 FMR08302 FMR08311 FMR08313 FMR08314 FMR08315 FMR08316 FMR08318 FMR