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07710

ZIPSAFMR
Monmouth County, NJ
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ZIP Investment Score

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095130300
BRFMR
Eff. Rent
0 BR$1,710$1,760
1 BR$1,880$1,850
2 BR$2,330$2,330
3 BR$2,990$3,290
4 BR$3,310$3,640
5 BR$3,806Not available
6 BR$4,377Not available
7 BR$5,034Not available
8 BR$5,789Not available

Purchase Price Calculator

Maximum purchase price
$284,321

Cost breakdown

+Likely effective rent$2,330
HUD FMR$2,330
Market rent$2,330
Est. payment standard (100%)Used$2,330
-Principal and interest-$1,438
Loan amount$227,456
Down payment$56,864
Rate6.50%
Term30 years
-Operating costs-$692
Property taxes-$284
Insurance-$175
Utilities$0
HOA$0
Management-$233
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,211(65.4% ROI)
Projected value
$306,182
Return breakdown
Property appreciation+$21,862
Loan principal paid down+$8,149
Rental cash flow+$7,200
5-year hold
+$63,894(112.4% ROI)
Projected value
$321,683
Return breakdown
Property appreciation+$37,362
Loan principal paid down+$14,532
Rental cash flow+$12,000
10-year hold
+$138,261(243.1% ROI)
Projected value
$363,954
Return breakdown
Property appreciation+$79,634
Loan principal paid down+$34,628
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.96
1 BR
1.02
2 BR
1.00
3 BR
0.80
4 BR
0.70
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
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Tax rate
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Mortgage rate
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ZIP 07710 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 07710 (Adelphia, NJ) is $2,330 a month. That is down 1.3% from $2,360 in FY 2026. Adelphia is in the Monmouth-Ocean, NJ HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 60 ZIP codes in Monmouth County, 07710 is tied for the 35th-highest two-bedroom rent (county range $1,200–$3,420). The median county two-bedroom FMR in New Jersey is $2,233, so ZIP 07710 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 07710
BedroomsFY 2027Change90–110% range
Studio$1,710+0.6%$1,539–$1,881
1BR$1,880−1.6%$1,692–$2,068
2BR$2,330−1.3%$2,097–$2,563
3BR$2,990−3.2%$2,691–$3,289
4BR$3,310−3.2%$2,979–$3,641

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 07710
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,710$1,880$2,330$2,990$3,310
FY 2026$1,700$1,910$2,360$3,090$3,420
FY 2025$1,480$1,660$2,050$2,730$3,040
FY 2024$1,380$1,540$1,910$2,600$2,900
FY 2023$1,140$1,270$1,590$2,180$2,420

Two-bedroom rent in nearby Monmouth County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 07710
07701$2,620+12.4%
07702$3,420+46.8%
07704$3,420+46.8%
07710Current$2,330—
07711$2,430+4.3%
07712$2,310−0.9%
07716$2,540+9.0%
07717$2,380+2.1%
07718$2,090−10.3%
07719$2,260−3.0%
07720$2,220−4.7%
07721$2,480+6.4%

Questions about ZIP 07710 rents

How much will Section 8 pay for a two-bedroom in ZIP 07710?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,330, that basic range is $2,097 to $2,563 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 07710 in?

ZIP 07710 is in the Monmouth-Ocean, 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 07710 for FY 2027?

The two-bedroom FMR fell 1.3%, from $2,360 in FY 2026 to $2,330 in FY 2027. Since FY 2023 it has risen 46.5%.

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