Home/NJ/Ocean County
Ocean County, NJ
CountyFMR
Found 35 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,676▲$1,720 – $1,840
1 BR$1,889▲$1,750 – $2,080
2 BR$2,328▲$2,060 – $2,560
3 BR$3,043▲$2,410 – $3,350
4 BR$3,371▲$2,460 – $3,710
5 BR$3,877▲—
6 BR$4,458▲—
7 BR$5,127▲—
8 BR$5,896▲—

Purchase Price Calculator

Maximum purchase price
$308,096

Cost breakdown

+Likely effective rent$2,490
HUD FMR$2,328
Market rent$2,580
Est. payment standard (107%)Used$2,490
Estimated payment standard is $2,490 (107% of FMR).
-Principal and interest-$1,558
Loan amount$246,477
Down payment$61,619
Rate6.50%
Term30 years
-Operating costs-$732
Property taxes-$308
Insurance-$175
Utilities$0
HOA$0
Management-$249
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$39,720(64.5% ROI)
Projected value
$331,786
Current value$308,096
Return breakdown
Property appreciation+$23,690
Loan principal paid down+$8,831
Rental cash flow+$7,200
5-year hold
+$68,234(110.7% ROI)
Projected value
$348,583
Current value$308,096
Return breakdown
Property appreciation+$40,486
Loan principal paid down+$15,747
Rental cash flow+$12,000
10-year hold
+$147,816(239.9% ROI)
Projected value
$394,390
Current value$308,096
Return breakdown
Property appreciation+$86,293
Loan principal paid down+$37,523
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- 7 ZIPs
0.40-0.63ratio range
Median FMR$1,676
Median Market$2,920
vs market-$1,244

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

90% standard$1,508 / 0.52 ratio110% standard$1,844 / 0.63 ratio
7
Studio- 4 ZIPs
0.64-0.65ratio range
Median FMR$1,676
Median Market$2,585
vs market-$909

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

90% standard$1,508 / 0.58 ratio110% standard$1,844 / 0.71 ratio
4
Studio- 3 ZIPs
0.69-0.71ratio range
Median FMR$1,676
Median Market$2,430
vs market-$754

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

90% standard$1,508 / 0.62 ratio110% standard$1,844 / 0.76 ratio
Studio- 6 ZIPs
0.74-0.76ratio range
Median FMR$1,676
Median Market$2,225
vs market-$549

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

90% standard$1,508 / 0.68 ratio110% standard$1,844 / 0.83 ratio
6
Studio- 3 ZIPs
0.77-0.79ratio range
Median FMR$1,676
Median Market$2,150
vs market-$474

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

90% standard$1,508 / 0.70 ratio110% standard$1,844 / 0.86 ratio
Studio- 5 ZIPs
0.83-0.85ratio range
Median FMR$1,676
Median Market$1,990
vs market-$314

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

90% standard$1,508 / 0.76 ratio110% standard$1,844 / 0.93 ratio
5
Studio- 2 ZIPs
0.89-0.90ratio range
Median FMR$1,676
Median Market$1,880
vs market-$204

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

90% standard$1,508 / 0.80 ratio110% standard$1,844 / 0.98 ratio
Studio- 1 ZIP
0.91ratio
FMR$1,676
Market$1,840
vs market-$164

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

90% standard$1,508 / 0.82 ratio110% standard$1,844 / 1.00 ratio
Studio- 2 ZIPs
0.96ratio range
Median FMR$1,676
Median Market$1,745
vs market-$69

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

90% standard$1,508 / 0.86 ratio110% standard$1,844 / 1.06 ratio
0.40-0.96
1 BR
1 BR- 2 ZIPs
0.66-0.67ratio range
Median FMR$1,889
Median Market$2,825
vs market-$936

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

90% standard$1,700 / 0.60 ratio110% standard$2,078 / 0.74 ratio
1 BR- 1 ZIP
0.72ratio
FMR$1,889
Market$2,610
vs market-$721

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

90% standard$1,700 / 0.65 ratio110% standard$2,078 / 0.80 ratio
1 BR- 3 ZIPs
0.74-0.77ratio range
Median FMR$1,889
Median Market$2,480
vs market-$591

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

90% standard$1,700 / 0.69 ratio110% standard$2,078 / 0.84 ratio
1 BR- 6 ZIPs
0.78-0.81ratio range
Median FMR$1,889
Median Market$2,355
vs market-$466

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

90% standard$1,700 / 0.72 ratio110% standard$2,078 / 0.88 ratio
6
1 BR- 7 ZIPs
0.82-0.85ratio range
Median FMR$1,889
Median 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
7
1 BR- 6 ZIPs
0.87-0.90ratio range
Median FMR$1,889
Median Market$2,130
vs market-$241

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

90% standard$1,700 / 0.80 ratio110% standard$2,078 / 0.98 ratio
6
1 BR- 1 ZIP
0.94ratio
FMR$1,889
Market$2,010
vs market-$121

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

90% standard$1,700 / 0.85 ratio110% standard$2,078 / 1.03 ratio
1 BR- 3 ZIPs
0.94-0.97ratio range
Median FMR$1,889
Median Market$1,980
vs market-$91

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

90% standard$1,700 / 0.86 ratio110% standard$2,078 / 1.05 ratio
1 BR- 2 ZIPs
1.03ratio range
Median FMR$1,889
Median 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 BR- 2 ZIPs
1.07-1.08ratio range
Median FMR$1,889
Median Market$1,755
vs market+$134

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

90% standard$1,700 / 0.97 ratio110% standard$2,078 / 1.18 ratio
0.66-1.08
2 BR
2 BR- 1 ZIP
0.75ratio
FMR$2,328
Market$3,120
vs market-$792

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

90% standard$2,095 / 0.67 ratio110% standard$2,561 / 0.82 ratio
2 BR- 5 ZIPs
0.77-0.81ratio range
Median FMR$2,328
Median Market$2,900
vs market-$572

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

90% standard$2,095 / 0.72 ratio110% standard$2,561 / 0.88 ratio
5
2 BR- 2 ZIPs
0.84-0.85ratio range
Median FMR$2,328
Median Market$2,760
vs market-$432

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

90% standard$2,095 / 0.76 ratio110% standard$2,561 / 0.93 ratio
2 BR- 8 ZIPs
0.87-0.90ratio range
Median FMR$2,328
Median Market$2,625
vs market-$297

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

90% standard$2,095 / 0.80 ratio110% standard$2,561 / 0.98 ratio
8
2 BR- 6 ZIPs
0.90-0.94ratio range
Median FMR$2,328
Median Market$2,530
vs market-$202

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

90% standard$2,095 / 0.83 ratio110% standard$2,561 / 1.01 ratio
6
2 BR- 1 ZIP
0.94ratio
FMR$2,328
Market$2,470
vs market-$142

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

90% standard$2,095 / 0.85 ratio110% standard$2,561 / 1.04 ratio
2 BR- 3 ZIPs
0.98-1.00ratio range
Median FMR$2,328
Median Market$2,350
vs market-$22

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

90% standard$2,095 / 0.89 ratio110% standard$2,561 / 1.09 ratio
2 BR- 4 ZIPs
1.03-1.05ratio 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
4
2 BR- 2 ZIPs
1.06-1.08ratio range
Median FMR$2,328
Median Market$2,170
vs market+$158

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

90% standard$2,095 / 0.97 ratio110% standard$2,561 / 1.18 ratio
2 BR- 1 ZIP
1.13ratio
FMR$2,328
Market$2,060
vs market+$268

FMR is above market; underwrite to market rent.

90% standard$2,095 / 1.02 ratio110% standard$2,561 / 1.24 ratio
0.75-1.13
3 BR
3 BR- 1 ZIP
0.71ratio
FMR$3,043
Market$4,270
vs market-$1,227

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

90% standard$2,739 / 0.64 ratio110% standard$3,347 / 0.78 ratio
3 BR- 5 ZIPs
0.87-0.89ratio range
Median FMR$3,043
Median Market$3,440
vs market-$397

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

90% standard$2,739 / 0.80 ratio110% standard$3,347 / 0.97 ratio
3 BR- 5 ZIPs
0.90-0.93ratio range
Median FMR$3,043
Median Market$3,300
vs market-$257

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

90% standard$2,739 / 0.83 ratio110% standard$3,347 / 1.01 ratio
3 BR- 3 ZIPs
0.95-0.96ratio range
Median FMR$3,043
Median 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- 13 ZIPs
0.98-1.02ratio range
Median FMR$3,043
Median Market$3,040
vs market+$3

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

90% standard$2,739 / 0.90 ratio110% standard$3,347 / 1.10 ratio
13
3 BR- 2 ZIPs
1.02-1.03ratio range
Median FMR$3,043
Median Market$2,970
vs market+$73

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

90% standard$2,739 / 0.92 ratio110% standard$3,347 / 1.13 ratio
3 BR- 2 ZIPs
1.14-1.15ratio range
Median FMR$3,043
Median Market$2,660
vs market+$383

FMR is above market; underwrite to market rent.

90% standard$2,739 / 1.03 ratio110% standard$3,347 / 1.26 ratio
3 BR- 1 ZIP
1.16ratio
FMR$3,043
Market$2,620
vs market+$423

FMR is above market; underwrite to market rent.

90% standard$2,739 / 1.05 ratio110% standard$3,347 / 1.28 ratio
3 BR- 1 ZIP
1.26ratio
FMR$3,043
Market$2,410
vs market+$633

FMR is above market; underwrite to market rent.

90% standard$2,739 / 1.14 ratio110% standard$3,347 / 1.39 ratio
0.71-1.26
4 BR
4 BR- 3 ZIPs
0.55-0.64ratio range
Median FMR$3,371
Median Market$5,960
vs market-$2,589

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

90% standard$3,034 / 0.51 ratio110% standard$3,708 / 0.62 ratio
3
4 BR- 2 ZIPs
0.65-0.66ratio range
Median FMR$3,371
Median Market$5,135
vs market-$1,764

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

90% standard$3,034 / 0.59 ratio110% standard$3,708 / 0.72 ratio
4 BR- 1 ZIP
0.72ratio
FMR$3,371
Market$4,690
vs market-$1,319

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

90% standard$3,034 / 0.65 ratio110% standard$3,708 / 0.79 ratio
4 BR- 1 ZIP
0.77ratio
FMR$3,371
Market$4,390
vs market-$1,019

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

90% standard$3,034 / 0.69 ratio110% standard$3,708 / 0.84 ratio
4 BR- 1 ZIP
0.81ratio
FMR$3,371
Market$4,170
vs market-$799

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

90% standard$3,034 / 0.73 ratio110% standard$3,708 / 0.89 ratio
4 BR- 4 ZIPs
0.83-0.85ratio range
Median FMR$3,371
Median Market$4,030
vs market-$659

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

90% standard$3,034 / 0.75 ratio110% standard$3,708 / 0.92 ratio
4
4 BR- 5 ZIPs
0.86-0.89ratio range
Median FMR$3,371
Median Market$3,800
vs market-$429

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

90% standard$3,034 / 0.80 ratio110% standard$3,708 / 0.98 ratio
5
4 BR- 6 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
6
4 BR- 1 ZIP
0.98ratio
FMR$3,371
Market$3,450
vs market-$79

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

90% standard$3,034 / 0.88 ratio110% standard$3,708 / 1.07 ratio
4 BR- 4 ZIPs
0.98-1.01ratio range
Median FMR$3,371
Median Market$3,395
vs market-$24

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

90% standard$3,034 / 0.89 ratio110% standard$3,708 / 1.09 ratio
4
4 BR- 1 ZIP
1.04ratio
FMR$3,371
Market$3,230
vs market+$141

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

90% standard$3,034 / 0.94 ratio110% standard$3,708 / 1.15 ratio
4 BR- 1 ZIP
1.09ratio
FMR$3,371
Market$3,090
vs market+$281

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

90% standard$3,034 / 0.98 ratio110% standard$3,708 / 1.20 ratio
4 BR- 2 ZIPs
1.11-1.15ratio range
Median FMR$3,371
Median Market$2,990
vs market+$381

FMR is above market; underwrite to market rent.

90% standard$3,034 / 1.01 ratio110% standard$3,708 / 1.24 ratio
4 BR- 1 ZIP
1.37ratio
FMR$3,371
Market$2,460
vs market+$911

FMR is above market; underwrite to market rent.

90% standard$3,034 / 1.23 ratio110% standard$3,708 / 1.51 ratio
0.55-1.37
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 Ocean 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
07728077310800508006080080805008087080920851408527

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

The FY 2026 HUD Fair Market Rent (FMR) page for Ocean County, NJ shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,328 and the 4 bedroom fair market rent is $3,371.

Use this page for searches like Ocean County, NJ FMR, Ocean County, NJ fair market rent, and Ocean 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 Ocean County, NJ
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371
07728 FMR07731 FMR08005 FMR08006 FMR08008 FMR08050 FMR08087 FMR08092 FMR