07726
ZIPFMR
Middlesex County, NJ
BRFMR
Eff. Rent
0 BR$1,804$1,920
1 BR$1,978$1,920
2 BR$2,486$2,390
3 BR$2,981$3,280
4 BR$3,296$3,630
5 BR$3,790
6 BR$4,359
7 BR$5,013
8 BR$5,765

Purchase Price Calculator

Maximum purchase price
$293,237

Cost breakdown

+Likely effective rent$2,390
HUD FMR$2,486
Market rentUsed$2,390
Est. payment standard (97%)$2,420
Market rent is below the inferred standard ($2,420, 97% of FMR).
-Principal and interest-$1,483
Loan amount$234,589
Down payment$58,647
Rate6.50%
Term30 years
-Operating costs-$707
Property taxes-$293
Insurance-$175
Utilities$0
HOA$0
Management-$239
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,152(65.1% ROI)
Projected value
$315,784
Current value$293,237
Return breakdown
Property appreciation+$22,547
Loan principal paid down+$8,405
Rental cash flow+$7,200
5-year hold
+$65,522(111.7% ROI)
Projected value
$331,770
Current value$293,237
Return breakdown
Property appreciation+$38,534
Loan principal paid down+$14,988
Rental cash flow+$12,000
10-year hold
+$141,845(241.9% ROI)
Projected value
$375,368
Current value$293,237
Return breakdown
Property appreciation+$82,131
Loan principal paid down+$35,714
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
0.91ratio
FMR$1,804
Market$1,980
vs market-$176

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

90% standard$1,624 / 0.82 ratio110% standard$1,984 / 1.00 ratio
0.91
1 BR
1 BR
1.03ratio
FMR$1,978
Market$1,920
vs market+$58

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

90% standard$1,780 / 0.93 ratio110% standard$2,176 / 1.13 ratio
1.03
2 BR
2 BR
1.04ratio
FMR$2,486
Market$2,390
vs market+$96

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

90% standard$2,237 / 0.94 ratio110% standard$2,735 / 1.14 ratio
1.04
3 BR
3 BR
0.86ratio
FMR$2,981
Market$3,470
vs market-$489

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

90% standard$2,683 / 0.77 ratio110% standard$3,279 / 0.94 ratio
0.86
4 BR
4 BR
0.69ratio
FMR$3,296
Market$4,760
vs market-$1,464

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

90% standard$2,966 / 0.62 ratio110% standard$3,626 / 0.76 ratio
0.69
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

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 07726 (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.

07726 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 07726 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,486 and the 4 bedroom fair market rent is $3,296.

Use this page for searches like 07726 FMR, 07726 fair market rent, and 07726 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 07726
Bedroom sizeHUD FMR
Studio$1,804
1 bedroom$1,978
2 bedroom$2,486
3 bedroom$2,981
4 bedroom$3,296