08050
ZIPFMR
Ocean County, NJ
BRFMR
Eff. Rent
0 BR$1,676$1,840
1 BR$1,889$2,050
2 BR$2,328$2,420
3 BR$3,043$2,620
4 BR$3,371$3,230
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$297,695

Cost breakdown

+Likely effective rent$2,420
HUD FMR$2,328
Market rent$2,470
Est. payment standard (104%)Used$2,420
Estimated payment standard is $2,420 (104% of FMR).
-Principal and interest-$1,505
Loan amount$238,156
Down payment$59,539
Rate6.50%
Term30 years
-Operating costs-$715
Property taxes-$298
Insurance-$175
Utilities$0
HOA$0
Management-$242
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,622(64.9% ROI)
Projected value
$320,584
Current value$297,695
Return breakdown
Property appreciation+$22,890
Loan principal paid down+$8,533
Rental cash flow+$7,200
5-year hold
+$66,335(111.4% ROI)
Projected value
$336,814
Current value$297,695
Return breakdown
Property appreciation+$39,120
Loan principal paid down+$15,216
Rental cash flow+$12,000
10-year hold
+$143,636(241.2% ROI)
Projected value
$381,074
Current value$297,695
Return breakdown
Property appreciation+$83,380
Loan principal paid down+$36,257
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
0.71ratio
FMR$1,676
Market$2,350
vs market-$674

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

90% standard$1,508 / 0.64 ratio110% standard$1,844 / 0.78 ratio
0.71
1 BR
1 BR
0.88ratio
FMR$1,889
Market$2,140
vs market-$251

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

90% standard$1,700 / 0.79 ratio110% standard$2,078 / 0.97 ratio
0.88
2 BR
2 BR
0.94ratio
FMR$2,328
Market$2,470
vs market-$142

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

90% standard$2,095 / 0.85 ratio110% standard$2,561 / 1.04 ratio
0.94
3 BR
3 BR
1.16ratio
FMR$3,043
Market$2,620
vs market+$423

FMR is above market; underwrite to market rent.

90% standard$2,739 / 1.05 ratio110% standard$3,347 / 1.28 ratio
1.16
4 BR
4 BR
1.04ratio
FMR$3,371
Market$3,230
vs market+$141

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

90% standard$3,034 / 0.94 ratio110% standard$3,708 / 1.15 ratio
1.04
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 08050 (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.

08050 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08050 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,328 and the 4 bedroom fair market rent is $3,371.

Use this page for searches like 08050 FMR, 08050 fair market rent, and 08050 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 08050
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371