08086
ZIPFMR
Gloucester County, NJ
BRFMR
Eff. Rent
0 BR$1,397$1,540
1 BR$1,520$1,640
2 BR$1,810$1,850
3 BR$2,170$2,290
4 BR$2,423$2,670
5 BR$2,786
6 BR$3,204
7 BR$3,685
8 BR$4,238

Purchase Price Calculator

Maximum purchase price
$212,993

Cost breakdown

+Likely effective rent$1,850
HUD FMR$1,810
Market rent$1,870
Est. payment standard (102%)Used$1,850
Estimated payment standard is $1,850 (102% of FMR).
-Principal and interest-$1,077
Loan amount$170,394
Down payment$42,599
Rate6.50%
Term30 years
-Operating costs-$573
Property taxes-$213
Insurance-$175
Utilities$0
HOA$0
Management-$185
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$29,682(69.7% ROI)
Projected value
$229,370
Current value$212,993
Return breakdown
Property appreciation+$16,377
Loan principal paid down+$6,105
Rental cash flow+$7,200
5-year hold
+$50,876(119.4% ROI)
Projected value
$240,982
Current value$212,993
Return breakdown
Property appreciation+$27,989
Loan principal paid down+$10,887
Rental cash flow+$12,000
10-year hold
+$109,597(257.3% ROI)
Projected value
$272,649
Current value$212,993
Return breakdown
Property appreciation+$59,656
Loan principal paid down+$25,941
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
0.87ratio
FMR$1,397
Market$1,610
vs market-$213

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

90% standard$1,257 / 0.78 ratio110% standard$1,537 / 0.95 ratio
0.87
1 BR
1 BR
0.89ratio
FMR$1,520
Market$1,700
vs market-$180

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

90% standard$1,368 / 0.80 ratio110% standard$1,672 / 0.98 ratio
0.89
2 BR
2 BR
0.97ratio
FMR$1,810
Market$1,870
vs market-$60

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

90% standard$1,629 / 0.87 ratio110% standard$1,991 / 1.06 ratio
0.97
3 BR
3 BR
0.92ratio
FMR$2,170
Market$2,360
vs market-$190

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

90% standard$1,953 / 0.83 ratio110% standard$2,387 / 1.01 ratio
0.92
4 BR
4 BR
0.79ratio
FMR$2,423
Market$3,080
vs market-$657

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

90% standard$2,181 / 0.71 ratio110% standard$2,665 / 0.87 ratio
0.79
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 08086 (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.

08086 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08086 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $1,810 and the 4 bedroom fair market rent is $2,423.

Use this page for searches like 08086 FMR, 08086 fair market rent, and 08086 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 08086
Bedroom sizeHUD FMR
Studio$1,397
1 bedroom$1,520
2 bedroom$1,810
3 bedroom$2,170
4 bedroom$2,423