Home/NJ/Passaic County
Passaic County, NJ
CountyFMR
Found 44 ZIPs
Zillow
BRFMR
Eff. Rent
0 BR$1,778▲$1,430 – $1,960
1 BR$2,024▲$1,660 – $2,230
2 BR$2,324▲$2,100 – $2,560
3 BR$2,835▲$2,420 – $3,120
4 BR$3,618▲$2,600 – $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$2,865
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- 13 ZIPs
0.58-0.64ratio range
Median FMR$1,778
Median Market$2,780
vs market-$1,002

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

90% standard$1,600 / 0.58 ratio110% standard$1,956 / 0.70 ratio
13
Studio- 4 ZIPs
0.65-0.68ratio range
Median FMR$1,778
Median Market$2,665
vs market-$887

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
0.71-0.73ratio range
Median FMR$1,778
Median Market$2,470
vs market-$692

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

90% standard$1,600 / 0.65 ratio110% standard$1,956 / 0.79 ratio
Studio- 9 ZIPs
0.73-0.76ratio range
Median FMR$1,778
Median Market$2,350
vs market-$572

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

90% standard$1,600 / 0.68 ratio110% standard$1,956 / 0.83 ratio
9
Studio- 4 ZIPs
0.77-0.80ratio range
Median FMR$1,778
Median Market$2,250
vs market-$472

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

90% standard$1,600 / 0.71 ratio110% standard$1,956 / 0.87 ratio
Studio- 1 ZIP
0.82ratio
FMR$1,778
Market$2,160
vs market-$382

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

90% standard$1,600 / 0.74 ratio110% standard$1,956 / 0.91 ratio
Studio- 2 ZIPs
0.87-0.88ratio range
Median FMR$1,778
Median Market$2,025
vs market-$247

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

90% standard$1,600 / 0.79 ratio110% standard$1,956 / 0.97 ratio
Studio- 1 ZIP
0.93ratio
FMR$1,778
Market$1,920
vs market-$142

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

90% standard$1,600 / 0.83 ratio110% standard$1,956 / 1.02 ratio
Studio- 3 ZIPs
0.96-0.98ratio range
Median FMR$1,778
Median Market$1,840
vs market-$62

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

90% standard$1,600 / 0.87 ratio110% standard$1,956 / 1.06 ratio
Studio- 1 ZIP
1.07ratio
FMR$1,778
Market$1,660
vs market+$118

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

90% standard$1,600 / 0.96 ratio110% standard$1,956 / 1.18 ratio
Studio- 1 ZIP
1.11ratio
FMR$1,778
Market$1,600
vs market+$178

FMR is above market; underwrite to market rent.

90% standard$1,600 / 1.00 ratio110% standard$1,956 / 1.22 ratio
Studio- 1 ZIP
1.19ratio
FMR$1,778
Market$1,500
vs market+$278

FMR is above market; underwrite to market rent.

90% standard$1,600 / 1.07 ratio110% standard$1,956 / 1.30 ratio
Studio- 2 ZIPs
1.23-1.24ratio range
Median FMR$1,778
Median Market$1,435
vs market+$343

FMR is above market; underwrite to market rent.

90% standard$1,600 / 1.12 ratio110% standard$1,956 / 1.36 ratio
0.58-1.24
1 BR
1 BR- 2 ZIPs
0.78-0.81ratio range
Median FMR$2,024
Median Market$2,545
vs market-$521

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

90% standard$1,822 / 0.72 ratio110% standard$2,226 / 0.87 ratio
1 BR- 4 ZIPs
0.83-0.85ratio range
Median FMR$2,024
Median Market$2,395
vs market-$371

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

90% standard$1,822 / 0.76 ratio110% standard$2,226 / 0.93 ratio
1 BR- 17 ZIPs
0.86-0.90ratio range
Median FMR$2,024
Median Market$2,320
vs market-$296

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

90% standard$1,822 / 0.79 ratio110% standard$2,226 / 0.96 ratio
17
1 BR- 2 ZIPs
0.92-0.94ratio range
Median FMR$2,024
Median Market$2,185
vs market-$161

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

90% standard$1,822 / 0.83 ratio110% standard$2,226 / 1.02 ratio
1 BR- 2 ZIPs
0.94-0.95ratio range
Median FMR$2,024
Median Market$2,135
vs market-$111

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

90% standard$1,822 / 0.85 ratio110% standard$2,226 / 1.04 ratio
1 BR- 2 ZIPs
1.00ratio 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- 3 ZIPs
1.02-1.06ratio range
Median FMR$2,024
Median Market$1,940
vs market+$84

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

90% standard$1,822 / 0.94 ratio110% standard$2,226 / 1.15 ratio
1 BR- 4 ZIPs
1.07-1.10ratio range
Median FMR$2,024
Median Market$1,885
vs market+$139

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

90% standard$1,822 / 0.97 ratio110% standard$2,226 / 1.18 ratio
1 BR- 4 ZIPs
1.12-1.15ratio range
Median FMR$2,024
Median Market$1,795
vs market+$229

FMR is above market; underwrite to market rent.

90% standard$1,822 / 1.01 ratio110% standard$2,226 / 1.24 ratio
1 BR- 3 ZIPs
1.17-1.18ratio range
Median FMR$2,024
Median Market$1,720
vs market+$304

FMR is above market; underwrite to market rent.

90% standard$1,822 / 1.06 ratio110% standard$2,226 / 1.29 ratio
1 BR- 1 ZIP
1.22ratio
FMR$2,024
Market$1,660
vs market+$364

FMR is above market; underwrite to market rent.

90% standard$1,822 / 1.10 ratio110% standard$2,226 / 1.34 ratio
0.78-1.22
2 BR
2 BR- 1 ZIP
0.66ratio
FMR$2,324
Market$3,520
vs market-$1,196

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

90% standard$2,092 / 0.59 ratio110% standard$2,556 / 0.73 ratio
2 BR- 1 ZIP
0.70ratio
FMR$2,324
Market$3,300
vs market-$976

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

90% standard$2,092 / 0.63 ratio110% standard$2,556 / 0.77 ratio
2 BR- 5 ZIPs
0.74-0.77ratio range
Median FMR$2,324
Median Market$3,100
vs market-$776

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- 16 ZIPs
0.77-0.81ratio range
Median FMR$2,324
Median Market$2,870
vs market-$546

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

90% standard$2,092 / 0.73 ratio110% standard$2,556 / 0.89 ratio
16
2 BR- 3 ZIPs
0.84-0.85ratio range
Median FMR$2,324
Median Market$2,760
vs market-$436

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

90% standard$2,092 / 0.76 ratio110% standard$2,556 / 0.93 ratio
2 BR- 5 ZIPs
0.86-0.89ratio range
Median FMR$2,324
Median Market$2,640
vs market-$316

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

90% standard$2,092 / 0.79 ratio110% standard$2,556 / 0.97 ratio
2 BR- 5 ZIPs
0.90-0.93ratio range
Median FMR$2,324
Median Market$2,520
vs market-$196

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

90% standard$2,092 / 0.83 ratio110% standard$2,556 / 1.01 ratio
2 BR- 2 ZIPs
0.98-0.99ratio range
Median FMR$2,324
Median Market$2,355
vs market-$31

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

90% standard$2,092 / 0.89 ratio110% standard$2,556 / 1.09 ratio
2 BR- 1 ZIP
1.03ratio
FMR$2,324
Market$2,260
vs market+$64

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

90% standard$2,092 / 0.93 ratio110% standard$2,556 / 1.13 ratio
2 BR- 3 ZIPs
1.06-1.08ratio range
Median FMR$2,324
Median Market$2,180
vs market+$144

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

90% standard$2,092 / 0.96 ratio110% standard$2,556 / 1.17 ratio
2 BR- 2 ZIPs
1.10-1.11ratio range
Median FMR$2,324
Median Market$2,105
vs market+$219

FMR is above market; underwrite to market rent.

90% standard$2,092 / 0.99 ratio110% standard$2,556 / 1.21 ratio
0.66-1.11
3 BR
3 BR- 1 ZIP
0.72ratio
FMR$2,835
Market$3,950
vs market-$1,115

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

90% standard$2,552 / 0.65 ratio110% standard$3,119 / 0.79 ratio
3 BR- 4 ZIPs
0.74-0.77ratio range
Median FMR$2,835
Median Market$3,745
vs market-$910

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

90% standard$2,552 / 0.68 ratio110% standard$3,119 / 0.83 ratio
3 BR- 7 ZIPs
0.78-0.81ratio range
Median FMR$2,835
Median Market$3,590
vs market-$755

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

90% standard$2,552 / 0.71 ratio110% standard$3,119 / 0.87 ratio
3 BR- 15 ZIPs
0.82-0.85ratio range
Median FMR$2,835
Median Market$3,330
vs market-$495

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

90% standard$2,552 / 0.77 ratio110% standard$3,119 / 0.94 ratio
15
3 BR- 3 ZIPs
0.87-0.89ratio range
Median FMR$2,835
Median Market$3,240
vs market-$405

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
0.90-0.91ratio range
Median FMR$2,835
Median Market$3,120
vs market-$285

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

90% standard$2,552 / 0.82 ratio110% standard$3,119 / 1.00 ratio
3 BR- 2 ZIPs
0.94-0.95ratio range
Median FMR$2,835
Median Market$2,995
vs market-$160

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- 2 ZIPs
0.98-0.99ratio range
Median FMR$2,835
Median Market$2,865
vs market-$30

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

90% standard$2,552 / 0.89 ratio110% standard$3,119 / 1.09 ratio
3 BR- 1 ZIP
1.03ratio
FMR$2,835
Market$2,760
vs market+$75

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

90% standard$2,552 / 0.92 ratio110% standard$3,119 / 1.13 ratio
3 BR- 3 ZIPs
1.07-1.10ratio range
Median FMR$2,835
Median Market$2,630
vs market+$205

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

90% standard$2,552 / 0.97 ratio110% standard$3,119 / 1.19 ratio
3 BR- 2 ZIPs
1.10-1.15ratio range
Median FMR$2,835
Median Market$2,520
vs market+$315

FMR is above market; underwrite to market rent.

90% standard$2,552 / 1.01 ratio110% standard$3,119 / 1.24 ratio
3 BR- 1 ZIP
1.17ratio
FMR$2,835
Market$2,420
vs market+$415

FMR is above market; underwrite to market rent.

90% standard$2,552 / 1.05 ratio110% standard$3,119 / 1.29 ratio
0.72-1.17
4 BR
4 BR- 1 ZIP
0.56ratio
FMR$3,618
Market$6,480
vs market-$2,862

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

90% standard$3,256 / 0.50 ratio110% standard$3,980 / 0.61 ratio
4 BR- 1 ZIP
0.71ratio
FMR$3,618
Market$5,100
vs market-$1,482

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

90% standard$3,256 / 0.64 ratio110% standard$3,980 / 0.78 ratio
4 BR- 2 ZIPs
0.81ratio range
Median FMR$3,618
Median Market$4,450
vs market-$832

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

90% standard$3,256 / 0.73 ratio110% standard$3,980 / 0.89 ratio
4 BR- 2 ZIPs
0.82-0.84ratio range
Median FMR$3,618
Median Market$4,340
vs market-$722

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

90% standard$3,256 / 0.75 ratio110% standard$3,980 / 0.92 ratio
4 BR- 6 ZIPs
0.87-0.89ratio range
Median FMR$3,618
Median Market$4,140
vs market-$522

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

90% standard$3,256 / 0.79 ratio110% standard$3,980 / 0.96 ratio
6
4 BR- 5 ZIPs
0.90-0.93ratio range
Median FMR$3,618
Median Market$3,930
vs market-$312

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

90% standard$3,256 / 0.83 ratio110% standard$3,980 / 1.01 ratio
5
4 BR- 10 ZIPs
0.95ratio range
Median FMR$3,618
Median Market$3,810
vs market-$192

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

90% standard$3,256 / 0.85 ratio110% standard$3,980 / 1.04 ratio
10
4 BR- 3 ZIPs
1.00-1.01ratio range
Median FMR$3,618
Median Market$3,600
vs market+$18

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

90% standard$3,256 / 0.90 ratio110% standard$3,980 / 1.11 ratio
4 BR- 2 ZIPs
1.05ratio range
Median FMR$3,618
Median Market$3,450
vs market+$168

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- 2 ZIPs
1.07-1.08ratio range
Median FMR$3,618
Median Market$3,370
vs market+$248

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

90% standard$3,256 / 0.97 ratio110% standard$3,980 / 1.18 ratio
4 BR- 1 ZIP
1.12ratio
FMR$3,618
Market$3,240
vs market+$378

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.01 ratio110% standard$3,980 / 1.23 ratio
4 BR- 2 ZIPs
1.16-1.18ratio range
Median FMR$3,618
Median Market$3,095
vs market+$523

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.05 ratio110% standard$3,980 / 1.29 ratio
4 BR- 2 ZIPs
1.23ratio range
Median FMR$3,618
Median Market$2,945
vs market+$673

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.11 ratio110% standard$3,980 / 1.35 ratio
4 BR- 2 ZIPs
1.25-1.28ratio range
Median FMR$3,618
Median Market$2,855
vs market+$763

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.14 ratio110% standard$3,980 / 1.39 ratio
4 BR- 1 ZIP
1.34ratio
FMR$3,618
Market$2,710
vs market+$908

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.20 ratio110% standard$3,980 / 1.47 ratio
4 BR- 2 ZIPs
1.37-1.39ratio range
Median FMR$3,618
Median Market$2,625
vs market+$993

FMR is above market; underwrite to market rent.

90% standard$3,256 / 1.24 ratio110% standard$3,980 / 1.52 ratio
0.56-1.39
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 Passaic 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
07006070090701107012070130701407015070260704307055

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

The FY 2026 HUD Fair Market Rent (FMR) page for Passaic 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 Passaic County, NJ FMR, Passaic County, NJ fair market rent, and Passaic 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 Passaic County, NJ
Bedroom sizeHUD FMR
Studio$1,778
1 bedroom$2,024
2 bedroom$2,324
3 bedroom$2,835
4 bedroom$3,618
07006 FMR07009 FMR07011 FMR07012 FMR07013 FMR07014 FMR07015 FMR07026 FMR