08105
ZIPFMR
Camden County, NJ
BRFMR
Eff. Rent
0 BR$1,397$1,330
1 BR$1,520$1,490
2 BR$1,810$1,680
3 BR$2,170$2,050
4 BR$2,423$2,310
5 BR$2,786
6 BR$3,204
7 BR$3,685
8 BR$4,238

Purchase Price Calculator

Maximum purchase price
$187,731

Cost breakdown

+Likely effective rent$1,680
HUD FMR$1,810
Market rentUsed$1,680
Est. payment standard (95%)$1,730
Market rent is below the inferred standard ($1,730, 95% of FMR).
-Principal and interest-$949
Loan amount$150,185
Down payment$37,546
Rate6.50%
Term30 years
-Operating costs-$531
Property taxes-$188
Insurance-$175
Utilities$0
HOA$0
Management-$168
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,015(72.0% ROI)
Projected value
$202,166
Current value$187,731
Return breakdown
Property appreciation+$14,435
Loan principal paid down+$5,381
Rental cash flow+$7,200
5-year hold
+$46,265(123.2% ROI)
Projected value
$212,400
Current value$187,731
Return breakdown
Property appreciation+$24,669
Loan principal paid down+$9,595
Rental cash flow+$12,000
10-year hold
+$99,444(264.9% ROI)
Projected value
$240,311
Current value$187,731
Return breakdown
Property appreciation+$52,581
Loan principal paid down+$22,864
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
1.05ratio
FMR$1,397
Market$1,330
vs market+$67

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

90% standard$1,257 / 0.95 ratio110% standard$1,537 / 1.16 ratio
1.05
1 BR
1 BR
1.02ratio
FMR$1,520
Market$1,490
vs market+$30

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

90% standard$1,368 / 0.92 ratio110% standard$1,672 / 1.12 ratio
1.02
2 BR
2 BR
1.08ratio
FMR$1,810
Market$1,680
vs market+$130

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

90% standard$1,629 / 0.97 ratio110% standard$1,991 / 1.19 ratio
1.08
3 BR
3 BR
1.06ratio
FMR$2,170
Market$2,050
vs market+$120

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

90% standard$1,953 / 0.95 ratio110% standard$2,387 / 1.16 ratio
1.06
4 BR
4 BR
1.05ratio
FMR$2,423
Market$2,310
vs market+$113

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

90% standard$2,181 / 0.94 ratio110% standard$2,665 / 1.15 ratio
1.05
0.700.800.901.001.101.201.30aligned range

Voucher rents are well-aligned with market rents across all bedroom 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 08105 (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.

08105 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08105 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 08105 FMR, 08105 fair market rent, and 08105 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 08105
Bedroom sizeHUD FMR
Studio$1,397
1 bedroom$1,520
2 bedroom$1,810
3 bedroom$2,170
4 bedroom$2,423