Home/NJ/Union County
Union 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▲$1,990 – $2,430
3 BR$2,761▲$2,300 – $3,040
4 BR$3,137▲$2,600 – $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$2,870
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

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio- 21 ZIPs
0.30-0.64ratio range
Median FMR$1,612
Median Market$2,870
vs market-$1,258

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

90% standard$1,451 / 0.51 ratio110% standard$1,773 / 0.62 ratio
21
Studio- 3 ZIPs
0.65-0.68ratio range
Median FMR$1,612
Median Market$2,420
vs market-$808

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

90% standard$1,451 / 0.60 ratio110% standard$1,773 / 0.73 ratio
Studio- 3 ZIPs
0.71-0.72ratio range
Median FMR$1,612
Median Market$2,270
vs market-$658

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

90% standard$1,451 / 0.64 ratio110% standard$1,773 / 0.78 ratio
Studio- 1 ZIP
0.75ratio
FMR$1,612
Market$2,150
vs market-$538

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

90% standard$1,451 / 0.67 ratio110% standard$1,773 / 0.82 ratio
Studio- 2 ZIPs
0.79-0.80ratio range
Median FMR$1,612
Median Market$2,030
vs market-$418

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

90% standard$1,451 / 0.71 ratio110% standard$1,773 / 0.87 ratio
Studio- 1 ZIP
0.89ratio
FMR$1,612
Market$1,820
vs market-$208

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

90% standard$1,451 / 0.80 ratio110% standard$1,773 / 0.97 ratio
Studio- 4 ZIPs
0.91-0.93ratio range
Median FMR$1,612
Median Market$1,750
vs market-$138

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

90% standard$1,451 / 0.83 ratio110% standard$1,773 / 1.01 ratio
Studio- 1 ZIP
0.95ratio
FMR$1,612
Market$1,700
vs market-$88

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

90% standard$1,451 / 0.85 ratio110% standard$1,773 / 1.04 ratio
Studio- 3 ZIPs
0.98-1.00ratio range
Median FMR$1,612
Median 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- 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$2,740
vs market-$918

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

90% standard$1,640 / 0.60 ratio110% standard$2,004 / 0.73 ratio
1 BR- 7 ZIPs
0.69-0.73ratio range
Median FMR$1,822
Median Market$2,510
vs market-$688

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

90% standard$1,640 / 0.65 ratio110% standard$2,004 / 0.80 ratio
7
1 BR- 7 ZIPs
0.73-0.77ratio range
Median FMR$1,822
Median Market$2,420
vs market-$598

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- 6 ZIPs
0.78-0.80ratio range
Median FMR$1,822
Median Market$2,310
vs market-$488

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

90% standard$1,640 / 0.71 ratio110% standard$2,004 / 0.87 ratio
6
1 BR- 7 ZIPs
0.83-0.85ratio range
Median FMR$1,822
Median Market$2,190
vs market-$368

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

90% standard$1,640 / 0.75 ratio110% standard$2,004 / 0.92 ratio
7
1 BR- 3 ZIPs
0.86-0.88ratio range
Median FMR$1,822
Median Market$2,110
vs market-$288

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

90% standard$1,640 / 0.78 ratio110% standard$2,004 / 0.95 ratio
1 BR- 1 ZIP
0.91ratio
FMR$1,822
Market$2,010
vs market-$188

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

90% standard$1,640 / 0.82 ratio110% standard$2,004 / 1.00 ratio
1 BR- 1 ZIP
0.96ratio
FMR$1,822
Market$1,890
vs market-$68

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

90% standard$1,640 / 0.87 ratio110% standard$2,004 / 1.06 ratio
1 BR- 1 ZIP
1.01ratio
FMR$1,822
Market$1,800
vs market+$22

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

90% standard$1,640 / 0.91 ratio110% standard$2,004 / 1.11 ratio
1 BR- 1 ZIP
1.10ratio
FMR$1,822
Market$1,660
vs market+$162

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

90% standard$1,640 / 0.99 ratio110% standard$2,004 / 1.21 ratio
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- 2 ZIPs
1.21ratio range
Median FMR$1,822
Median 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- 4 ZIPs
0.53-0.63ratio range
Median FMR$2,205
Median Market$3,820
vs market-$1,615

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

90% standard$1,985 / 0.52 ratio110% standard$2,426 / 0.64 ratio
2 BR- 5 ZIPs
0.65-0.68ratio range
Median FMR$2,205
Median Market$3,260
vs market-$1,055

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

90% standard$1,985 / 0.61 ratio110% standard$2,426 / 0.74 ratio
5
2 BR- 2 ZIPs
0.70-0.72ratio range
Median FMR$2,205
Median Market$3,095
vs market-$890

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

90% standard$1,985 / 0.64 ratio110% standard$2,426 / 0.78 ratio
2 BR- 10 ZIPs
0.73-0.77ratio range
Median FMR$2,205
Median Market$2,875
vs market-$670

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

90% standard$1,985 / 0.69 ratio110% standard$2,426 / 0.84 ratio
10
2 BR- 6 ZIPs
0.77-0.80ratio range
Median FMR$2,205
Median Market$2,820
vs market-$615

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

90% standard$1,985 / 0.70 ratio110% standard$2,426 / 0.86 ratio
6
2 BR- 6 ZIPs
0.82-0.85ratio range
Median FMR$2,205
Median Market$2,660
vs market-$455

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

90% standard$1,985 / 0.75 ratio110% standard$2,426 / 0.91 ratio
6
2 BR- 2 ZIPs
0.88-0.89ratio range
Median FMR$2,205
Median Market$2,505
vs market-$300

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

90% standard$1,985 / 0.79 ratio110% standard$2,426 / 0.97 ratio
2 BR- 3 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- 1 ZIP
1.05ratio
FMR$2,205
Market$2,100
vs market+$105

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

90% standard$1,985 / 0.95 ratio110% standard$2,426 / 1.16 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
0.53-1.11
3 BR
3 BR- 6 ZIPs
0.58-0.63ratio range
Median FMR$2,761
Median Market$4,655
vs market-$1,894

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

90% standard$2,485 / 0.53 ratio110% standard$3,037 / 0.65 ratio
6
3 BR- 4 ZIPs
0.67-0.69ratio range
Median FMR$2,761
Median Market$4,065
vs market-$1,304

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

90% standard$2,485 / 0.61 ratio110% standard$3,037 / 0.75 ratio
4
3 BR- 1 ZIP
0.72ratio
FMR$2,761
Market$3,830
vs market-$1,069

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

90% standard$2,485 / 0.65 ratio110% standard$3,037 / 0.79 ratio
3 BR- 7 ZIPs
0.74-0.76ratio 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
7
3 BR- 4 ZIPs
0.78-0.81ratio range
Median FMR$2,761
Median Market$3,465
vs market-$704

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

90% standard$2,485 / 0.72 ratio110% standard$3,037 / 0.88 ratio
4
3 BR- 6 ZIPs
0.81-0.84ratio 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
6
3 BR- 3 ZIPs
0.86-0.88ratio range
Median FMR$2,761
Median Market$3,150
vs market-$389

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

90% standard$2,485 / 0.79 ratio110% standard$3,037 / 0.96 ratio
3 BR- 3 ZIPs
0.90-0.94ratio range
Median FMR$2,761
Median Market$3,040
vs market-$279

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

90% standard$2,485 / 0.82 ratio110% standard$3,037 / 1.00 ratio
3 BR- 2 ZIPs
0.95-0.97ratio range
Median FMR$2,761
Median Market$2,885
vs market-$124

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

90% standard$2,485 / 0.86 ratio110% standard$3,037 / 1.05 ratio
3 BR- 1 ZIP
1.05ratio
FMR$2,761
Market$2,640
vs market+$121

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

90% standard$2,485 / 0.94 ratio110% standard$3,037 / 1.15 ratio
3 BR- 1 ZIP
1.06ratio
FMR$2,761
Market$2,600
vs market+$161

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

90% standard$2,485 / 0.96 ratio110% standard$3,037 / 1.17 ratio
3 BR- 1 ZIP
1.18ratio
FMR$2,761
Market$2,330
vs market+$431

FMR is above market; underwrite to market rent.

90% standard$2,485 / 1.07 ratio110% standard$3,037 / 1.30 ratio
3 BR- 1 ZIP
1.20ratio
FMR$2,761
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
0.58-1.20
4 BR
4 BR- 9 ZIPs
0.47-0.63ratio range
Median FMR$3,137
Median Market$5,480
vs market-$2,343

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

90% standard$2,823 / 0.52 ratio110% standard$3,451 / 0.63 ratio
9
4 BR- 3 ZIPs
0.66-0.67ratio 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- 1 ZIP
0.72ratio
FMR$3,137
Market$4,380
vs market-$1,243

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

90% standard$2,823 / 0.64 ratio110% standard$3,451 / 0.79 ratio
4 BR- 1 ZIP
0.73ratio
FMR$3,137
Market$4,290
vs market-$1,153

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

90% standard$2,823 / 0.66 ratio110% standard$3,451 / 0.80 ratio
4 BR- 7 ZIPs
0.79-0.81ratio range
Median FMR$3,137
Median Market$3,990
vs market-$853

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

90% standard$2,823 / 0.71 ratio110% standard$3,451 / 0.86 ratio
7
4 BR- 9 ZIPs
0.81-0.86ratio range
Median FMR$3,137
Median Market$3,770
vs market-$633

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

90% standard$2,823 / 0.75 ratio110% standard$3,451 / 0.92 ratio
9
4 BR- 2 ZIPs
0.88-0.89ratio range
Median FMR$3,137
Median Market$3,540
vs market-$403

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

90% standard$2,823 / 0.80 ratio110% standard$3,451 / 0.97 ratio
4 BR- 2 ZIPs
0.91-0.93ratio range
Median FMR$3,137
Median Market$3,410
vs market-$273

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

90% standard$2,823 / 0.83 ratio110% standard$3,451 / 1.01 ratio
4 BR- 1 ZIP
0.97ratio
FMR$3,137
Market$3,230
vs market-$93

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

90% standard$2,823 / 0.87 ratio110% standard$3,451 / 1.07 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- 2 ZIPs
1.10-1.11ratio range
Median FMR$3,137
Median Market$2,840
vs market+$297

FMR is above market; underwrite to market rent.

90% standard$2,823 / 0.99 ratio110% standard$3,451 / 1.22 ratio
4 BR- 1 ZIP
1.21ratio
FMR$3,137
Market$2,600
vs market+$537

FMR is above market; underwrite to market rent.

90% standard$2,823 / 1.09 ratio110% standard$3,451 / 1.33 ratio
0.47-1.21
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 Union 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
07016070230702707033070360704007060070610706207063

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

The FY 2026 HUD Fair Market Rent (FMR) page for Union 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 Union County, NJ FMR, Union County, NJ fair market rent, and Union 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 Union County, NJ
Bedroom sizeHUD FMR
Studio$1,612
1 bedroom$1,822
2 bedroom$2,205
3 bedroom$2,761
4 bedroom$3,137
07016 FMR07023 FMR07027 FMR07033 FMR07036 FMR07040 FMR07060 FMR07061 FMR