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Bergen County/Haworth/07641

07641

ZIPSAFMR
Bergen County, NJ
Zillow

ZIP Investment Score

48Below average

095130300
BRFMR
Eff. Rent
0 BR$2,160$2,380
1 BR$2,420$2,660
2 BR$2,780$3,060
3 BR$3,380$3,720
4 BR$4,260$4,690
5 BR$4,899Not available
6 BR$5,634Not available
7 BR$6,479Not available
8 BR$7,451Not available

Purchase Price Calculator

Maximum purchase price
$392,798

Cost breakdown

+Likely effective rent$3,060
HUD FMR$2,780
Market rent$4,120
Est. payment standard (110%)Used$3,060
-Principal and interest-$1,986
Loan amount$314,239
Down payment$78,560
Rate6.50%
Term30 years
-Operating costs-$874
Property taxes-$393
Insurance-$175
Utilities$0
HOA$0
Management-$306
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,661(61.9% ROI)
Projected value
$423,001
Return breakdown
Property appreciation+$30,203
Loan principal paid down+$11,258
Rental cash flow+$7,200
5-year hold
+$83,694(106.5% ROI)
Projected value
$444,415
Return breakdown
Property appreciation+$51,617
Loan principal paid down+$20,077
Rental cash flow+$12,000
10-year hold
+$181,856(231.5% ROI)
Projected value
$502,815
Return breakdown
Property appreciation+$110,017
Loan principal paid down+$47,839
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.56
1 BR
0.86
2 BR
0.67
3 BR
0.76
4 BR
0.79
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 07641 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 07641 (Haworth, NJ) is $2,780 a month. That is down 2.5% from $2,850 in FY 2026. Haworth is in the Bergen-Passaic, NJ HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 74 ZIP codes in Bergen County, 07641 has the 24th-highest two-bedroom rent (county range $1,440–$3,420). The median county two-bedroom FMR in New Jersey is $2,233, so ZIP 07641 is 24% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 07641
BedroomsFY 2027Change90–110% range
Studio$2,160−0.9%$1,944–$2,376
1BR$2,420−2.4%$2,178–$2,662
2BR$2,780−2.5%$2,502–$3,058
3BR$3,380−2.6%$3,042–$3,718
4BR$4,260−3.8%$3,834–$4,686

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 07641
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,160$2,420$2,780$3,380$4,260
FY 2026$2,180$2,480$2,850$3,470$4,430
FY 2025$1,880$2,190$2,500$3,080$3,890
FY 2024$1,690$1,990$2,290$2,840$3,560
FY 2023$1,630$1,940$2,250$2,800$3,520

Two-bedroom rent in nearby Bergen County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 07641
07632$3,020+8.6%
07640$3,150+13.3%
07641Current$2,780—
07642$2,300−17.3%
07643$2,270−18.3%
07644$2,160−22.3%
07645$2,710−2.5%
07646$2,220−20.1%
07647$2,470−11.2%
07648$2,860+2.9%
07649$2,750−1.1%
07650$2,530−9.0%

Questions about ZIP 07641 rents

How much will Section 8 pay for a two-bedroom in ZIP 07641?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,780, that basic range is $2,502 to $3,058 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 07641 in?

ZIP 07641 is in the Bergen-Passaic, NJ HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 07641 for FY 2027?

The two-bedroom FMR fell 2.5%, from $2,850 in FY 2026 to $2,780 in FY 2027. Since FY 2023 it has risen 23.6%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHaworth, NJ fair market rentNJ statewide rentsWhat is SAFMR?Data sources