Home/NJ/Essex County
Essex County, NJ
CountyFMR
Found 40 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,612▲$1,290 – $1,770
1 BR$1,822▲$1,510 – $2,000
2 BR$2,205▲$1,890 – $2,430
3 BR$2,761▲$2,120 – $3,040
4 BR$3,137▲$2,400 – $3,450
5 BR$3,608▲—
6 BR$4,149▲—
7 BR$4,771▲—
8 BR$5,487▲—

Purchase Price Calculator

Maximum purchase price
$299,181

Cost breakdown

+Likely effective rent$2,430
HUD FMR$2,205
Market rent$2,885
Est. payment standard (110%)Used$2,430
Estimated payment standard is $2,430 (110% of FMR).
-Principal and interest-$1,513
Loan amount$239,344
Down payment$59,836
Rate6.50%
Term30 years
-Operating costs-$717
Property taxes-$299
Insurance-$175
Utilities$0
HOA$0
Management-$243
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,779(64.8% ROI)
Projected value
$322,185
Current value$299,181
Return breakdown
Property appreciation+$23,004
Loan principal paid down+$8,575
Rental cash flow+$7,200
5-year hold
+$66,607(111.3% ROI)
Projected value
$338,495
Current value$299,181
Return breakdown
Property appreciation+$39,315
Loan principal paid down+$15,292
Rental cash flow+$12,000
10-year hold
+$144,233(241.0% ROI)
Projected value
$382,976
Current value$299,181
Return breakdown
Property appreciation+$83,796
Loan principal paid down+$36,437
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- 9 ZIPs
0.30-0.61ratio range
Median FMR$1,612
Median Market$2,920
vs market-$1,308

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

90% standard$1,451 / 0.50 ratio110% standard$1,773 / 0.61 ratio
9
Studio- 3 ZIPs
0.67-0.68ratio range
Median FMR$1,612
Median Market$2,370
vs market-$758

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

90% standard$1,451 / 0.61 ratio110% standard$1,773 / 0.75 ratio
Studio- 2 ZIPs
0.69ratio range
Median FMR$1,612
Median Market$2,350
vs market-$738

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

90% standard$1,451 / 0.62 ratio110% standard$1,773 / 0.75 ratio
Studio- 1 ZIP
0.74ratio
FMR$1,612
Market$2,170
vs market-$558

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

90% standard$1,451 / 0.67 ratio110% standard$1,773 / 0.82 ratio
Studio- 7 ZIPs
0.78-0.81ratio range
Median FMR$1,612
Median Market$2,040
vs market-$428

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

90% standard$1,451 / 0.71 ratio110% standard$1,773 / 0.87 ratio
7
Studio- 3 ZIPs
0.82-0.84ratio range
Median FMR$1,612
Median Market$1,920
vs market-$308

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

90% standard$1,451 / 0.76 ratio110% standard$1,773 / 0.92 ratio
Studio- 5 ZIPs
0.87-0.90ratio range
Median FMR$1,612
Median Market$1,810
vs market-$198

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

90% standard$1,451 / 0.80 ratio110% standard$1,773 / 0.98 ratio
5
Studio- 2 ZIPs
0.93ratio range
Median FMR$1,612
Median Market$1,735
vs market-$123

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

90% standard$1,451 / 0.84 ratio110% standard$1,773 / 1.02 ratio
Studio- 1 ZIP
0.97ratio
FMR$1,612
Market$1,660
vs market-$48

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

90% standard$1,451 / 0.87 ratio110% standard$1,773 / 1.07 ratio
Studio- 1 ZIP
0.99ratio
FMR$1,612
Market$1,630
vs market-$18

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

90% standard$1,451 / 0.89 ratio110% standard$1,773 / 1.09 ratio
Studio- 2 ZIPs
1.07-1.10ratio range
Median FMR$1,612
Median Market$1,490
vs market+$122

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

90% standard$1,451 / 0.97 ratio110% standard$1,773 / 1.19 ratio
Studio- 2 ZIPs
1.13ratio range
Median FMR$1,612
Median Market$1,430
vs market+$182

FMR is above market; underwrite to market rent.

90% standard$1,451 / 1.01 ratio110% standard$1,773 / 1.24 ratio
Studio- 1 ZIP
1.19ratio
FMR$1,612
Market$1,360
vs market+$252

FMR is above market; underwrite to market rent.

90% standard$1,451 / 1.07 ratio110% standard$1,773 / 1.30 ratio
Studio- 1 ZIP
1.25ratio
FMR$1,612
Market$1,290
vs market+$322

FMR is above market; underwrite to market rent.

90% standard$1,451 / 1.12 ratio110% standard$1,773 / 1.37 ratio
0.30-1.25
1 BR
1 BR- 3 ZIPs
0.66-0.68ratio range
Median FMR$1,822
Median Market$2,700
vs market-$878

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

90% standard$1,640 / 0.61 ratio110% standard$2,004 / 0.74 ratio
1 BR- 2 ZIPs
0.69-0.71ratio range
Median FMR$1,822
Median Market$2,610
vs market-$788

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

90% standard$1,640 / 0.63 ratio110% standard$2,004 / 0.77 ratio
1 BR- 7 ZIPs
0.74-0.77ratio range
Median FMR$1,822
Median Market$2,410
vs market-$588

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

90% standard$1,640 / 0.68 ratio110% standard$2,004 / 0.83 ratio
7
1 BR- 8 ZIPs
0.79-0.81ratio range
Median FMR$1,822
Median Market$2,280
vs market-$458

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

90% standard$1,640 / 0.72 ratio110% standard$2,004 / 0.88 ratio
8
1 BR- 4 ZIPs
0.82-0.86ratio range
Median FMR$1,822
Median Market$2,160
vs market-$338

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

90% standard$1,640 / 0.76 ratio110% standard$2,004 / 0.93 ratio
4
1 BR- 3 ZIPs
0.88-0.89ratio range
Median FMR$1,822
Median Market$2,060
vs market-$238

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

90% standard$1,640 / 0.80 ratio110% standard$2,004 / 0.97 ratio
1 BR- 1 ZIP
0.90ratio
FMR$1,822
Market$2,020
vs market-$198

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

90% standard$1,640 / 0.81 ratio110% standard$2,004 / 0.99 ratio
1 BR- 2 ZIPs
0.95-0.96ratio range
Median FMR$1,822
Median Market$1,905
vs market-$83

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

90% standard$1,640 / 0.86 ratio110% standard$2,004 / 1.05 ratio
1 BR- 1 ZIP
0.98ratio
FMR$1,822
Market$1,850
vs market-$28

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

90% standard$1,640 / 0.89 ratio110% standard$2,004 / 1.08 ratio
1 BR- 3 ZIPs
1.02-1.04ratio range
Median FMR$1,822
Median Market$1,770
vs market+$52

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

90% standard$1,640 / 0.93 ratio110% standard$2,004 / 1.13 ratio
1 BR- 4 ZIPs
1.08-1.10ratio range
Median FMR$1,822
Median Market$1,685
vs market+$137

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

90% standard$1,640 / 0.97 ratio110% standard$2,004 / 1.19 ratio
4
1 BR- 1 ZIP
1.20ratio
FMR$1,822
Market$1,520
vs market+$302

FMR is above market; underwrite to market rent.

90% standard$1,640 / 1.08 ratio110% standard$2,004 / 1.32 ratio
1 BR- 1 ZIP
1.21ratio
FMR$1,822
Market$1,510
vs market+$312

FMR is above market; underwrite to market rent.

90% standard$1,640 / 1.09 ratio110% standard$2,004 / 1.33 ratio
0.66-1.21
2 BR
2 BR- 5 ZIPs
0.53-0.63ratio range
Median FMR$2,205
Median Market$3,880
vs market-$1,675

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

90% standard$1,985 / 0.51 ratio110% standard$2,426 / 0.63 ratio
5
2 BR- 2 ZIPs
0.66-0.68ratio range
Median FMR$2,205
Median Market$3,310
vs market-$1,105

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

90% standard$1,985 / 0.60 ratio110% standard$2,426 / 0.73 ratio
2 BR- 9 ZIPs
0.69-0.72ratio range
Median FMR$2,205
Median Market$3,050
vs market-$845

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

90% standard$1,985 / 0.65 ratio110% standard$2,426 / 0.80 ratio
9
2 BR- 5 ZIPs
0.73-0.77ratio range
Median FMR$2,205
Median Market$2,910
vs market-$705

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

90% standard$1,985 / 0.68 ratio110% standard$2,426 / 0.83 ratio
5
2 BR- 1 ZIP
0.77ratio
FMR$2,205
Market$2,850
vs market-$645

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

90% standard$1,985 / 0.70 ratio110% standard$2,426 / 0.85 ratio
2 BR- 1 ZIP
0.85ratio
FMR$2,205
Market$2,600
vs market-$395

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

90% standard$1,985 / 0.76 ratio110% standard$2,426 / 0.93 ratio
2 BR- 4 ZIPs
0.87-0.90ratio range
Median FMR$2,205
Median Market$2,495
vs market-$290

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

90% standard$1,985 / 0.80 ratio110% standard$2,426 / 0.97 ratio
2 BR- 2 ZIPs
0.90-0.91ratio range
Median FMR$2,205
Median Market$2,435
vs market-$230

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

90% standard$1,985 / 0.82 ratio110% standard$2,426 / 1.00 ratio
2 BR- 2 ZIPs
0.95ratio range
Median FMR$2,205
Median Market$2,320
vs market-$115

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

90% standard$1,985 / 0.86 ratio110% standard$2,426 / 1.05 ratio
2 BR- 4 ZIPs
1.02-1.05ratio range
Median FMR$2,205
Median Market$2,125
vs market+$80

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

90% standard$1,985 / 0.93 ratio110% standard$2,426 / 1.14 ratio
2 BR- 3 ZIPs
1.07-1.09ratio range
Median FMR$2,205
Median Market$2,030
vs market+$175

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

90% standard$1,985 / 0.98 ratio110% standard$2,426 / 1.19 ratio
2 BR- 1 ZIP
1.11ratio
FMR$2,205
Market$1,990
vs market+$215

FMR is above market; underwrite to market rent.

90% standard$1,985 / 1.00 ratio110% standard$2,426 / 1.22 ratio
2 BR- 1 ZIP
1.17ratio
FMR$2,205
Market$1,890
vs market+$315

FMR is above market; underwrite to market rent.

90% standard$1,985 / 1.05 ratio110% standard$2,426 / 1.28 ratio
0.53-1.17
3 BR
3 BR- 3 ZIPs
0.58-0.64ratio range
Median FMR$2,761
Median Market$4,660
vs market-$1,899

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

90% standard$2,485 / 0.53 ratio110% standard$3,037 / 0.65 ratio
3 BR- 2 ZIPs
0.65-0.66ratio range
Median FMR$2,761
Median Market$4,210
vs market-$1,449

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

90% standard$2,485 / 0.59 ratio110% standard$3,037 / 0.72 ratio
3 BR- 3 ZIPs
0.70-0.73ratio range
Median FMR$2,761
Median Market$3,900
vs market-$1,139

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

90% standard$2,485 / 0.64 ratio110% standard$3,037 / 0.78 ratio
3 BR- 9 ZIPs
0.73-0.76ratio range
Median FMR$2,761
Median Market$3,670
vs market-$909

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

90% standard$2,485 / 0.68 ratio110% standard$3,037 / 0.83 ratio
9
3 BR- 4 ZIPs
0.78-0.81ratio range
Median FMR$2,761
Median Market$3,445
vs market-$684

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

90% standard$2,485 / 0.72 ratio110% standard$3,037 / 0.88 ratio
3 BR- 3 ZIPs
0.81-0.82ratio range
Median FMR$2,761
Median Market$3,360
vs market-$599

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

90% standard$2,485 / 0.74 ratio110% standard$3,037 / 0.90 ratio
3 BR- 1 ZIP
0.97ratio
FMR$2,761
Market$2,860
vs market-$99

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

90% standard$2,485 / 0.87 ratio110% standard$3,037 / 1.06 ratio
3 BR- 2 ZIPs
1.00-1.02ratio range
Median FMR$2,761
Median Market$2,745
vs market+$16

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

90% standard$2,485 / 0.91 ratio110% standard$3,037 / 1.11 ratio
3 BR- 2 ZIPs
1.02-1.03ratio range
Median FMR$2,761
Median Market$2,685
vs market+$76

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

90% standard$2,485 / 0.93 ratio110% standard$3,037 / 1.13 ratio
3 BR- 3 ZIPs
1.06-1.10ratio range
Median FMR$2,761
Median Market$2,540
vs market+$221

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

90% standard$2,485 / 0.98 ratio110% standard$3,037 / 1.20 ratio
3 BR- 2 ZIPs
1.12-1.14ratio range
Median FMR$2,761
Median Market$2,440
vs market+$321

FMR is above market; underwrite to market rent.

90% standard$2,485 / 1.02 ratio110% standard$3,037 / 1.24 ratio
3 BR- 3 ZIPs
1.16-1.18ratio range
Median FMR$2,761
Median Market$2,360
vs market+$401

FMR is above market; underwrite to market rent.

90% standard$2,485 / 1.05 ratio110% standard$3,037 / 1.29 ratio
3 BR- 2 ZIPs
1.20ratio range
Median FMR$2,761
Median Market$2,300
vs market+$461

FMR is above market; underwrite to market rent.

90% standard$2,485 / 1.08 ratio110% standard$3,037 / 1.32 ratio
3 BR- 1 ZIP
1.30ratio
FMR$2,761
Market$2,120
vs market+$641

FMR is above market; underwrite to market rent.

90% standard$2,485 / 1.17 ratio110% standard$3,037 / 1.43 ratio
0.58-1.30
4 BR
4 BR- 9 ZIPs
0.47-0.63ratio range
Median FMR$3,137
Median Market$5,360
vs market-$2,223

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

90% standard$2,823 / 0.53 ratio110% standard$3,451 / 0.64 ratio
9
4 BR- 3 ZIPs
0.65-0.67ratio range
Median FMR$3,137
Median Market$4,720
vs market-$1,583

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

90% standard$2,823 / 0.60 ratio110% standard$3,451 / 0.73 ratio
4 BR- 2 ZIPs
0.70ratio range
Median FMR$3,137
Median Market$4,475
vs market-$1,338

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

90% standard$2,823 / 0.63 ratio110% standard$3,451 / 0.77 ratio
4 BR- 4 ZIPs
0.73-0.76ratio range
Median FMR$3,137
Median Market$4,165
vs market-$1,028

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

90% standard$2,823 / 0.68 ratio110% standard$3,451 / 0.83 ratio
4 BR- 4 ZIPs
0.78ratio range
Median FMR$3,137
Median Market$4,000
vs market-$863

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

90% standard$2,823 / 0.71 ratio110% standard$3,451 / 0.86 ratio
4 BR- 2 ZIPs
0.82-0.83ratio range
Median FMR$3,137
Median Market$3,795
vs market-$658

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

90% standard$2,823 / 0.74 ratio110% standard$3,451 / 0.91 ratio
4 BR- 2 ZIPs
1.03ratio range
Median FMR$3,137
Median Market$3,055
vs market+$82

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

90% standard$2,823 / 0.92 ratio110% standard$3,451 / 1.13 ratio
4 BR- 2 ZIPs
1.06-1.08ratio range
Median FMR$3,137
Median Market$2,925
vs market+$212

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

90% standard$2,823 / 0.97 ratio110% standard$3,451 / 1.18 ratio
4 BR- 5 ZIPs
1.11-1.12ratio range
Median FMR$3,137
Median Market$2,830
vs market+$307

FMR is above market; underwrite to market rent.

90% standard$2,823 / 1.00 ratio110% standard$3,451 / 1.22 ratio
5
4 BR- 2 ZIPs
1.19ratio range
Median FMR$3,137
Median Market$2,640
vs market+$497

FMR is above market; underwrite to market rent.

90% standard$2,823 / 1.07 ratio110% standard$3,451 / 1.31 ratio
4 BR- 4 ZIPs
1.21-1.24ratio range
Median FMR$3,137
Median Market$2,550
vs market+$587

FMR is above market; underwrite to market rent.

90% standard$2,823 / 1.11 ratio110% standard$3,451 / 1.35 ratio
4 BR- 1 ZIP
1.31ratio
FMR$3,137
Market$2,400
vs market+$737

FMR is above market; underwrite to market rent.

90% standard$2,823 / 1.18 ratio110% standard$3,451 / 1.44 ratio
0.47-1.31
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 Essex 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
07003070040700607007070090701707018070190702107028

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

The FY 2026 HUD Fair Market Rent (FMR) page for Essex County, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,205 and the 4 bedroom fair market rent is $3,137.

Use this page for searches like Essex County, NJ FMR, Essex County, NJ fair market rent, and Essex 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 Essex County, NJ
Bedroom sizeHUD FMR
Studio$1,612
1 bedroom$1,822
2 bedroom$2,205
3 bedroom$2,761
4 bedroom$3,137
07003 FMR07004 FMR07006 FMR07007 FMR07009 FMR07017 FMR07018 FMR07019 FMR