08527
ZIPFMR
Ocean County, NJ
BRFMR
Eff. Rent
0 BR$1,676$1,840
1 BR$1,889$2,080
2 BR$2,328$2,560
3 BR$3,043$3,140
4 BR$3,371$3,710
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$318,498

Cost breakdown

+Likely effective rent$2,560
HUD FMR$2,328
Market rent$2,770
Est. payment standard (110%)Used$2,560
Estimated payment standard is $2,560 (110% of FMR).
-Principal and interest-$1,611
Loan amount$254,799
Down payment$63,700
Rate6.50%
Term30 years
-Operating costs-$749
Property taxes-$318
Insurance-$175
Utilities$0
HOA$0
Management-$256
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,818(64.1% ROI)
Projected value
$342,988
Current value$318,498
Return breakdown
Property appreciation+$24,490
Loan principal paid down+$9,129
Rental cash flow+$7,200
5-year hold
+$70,132(110.1% ROI)
Projected value
$360,352
Current value$318,498
Return breakdown
Property appreciation+$41,853
Loan principal paid down+$16,279
Rental cash flow+$12,000
10-year hold
+$151,997(238.6% ROI)
Projected value
$407,705
Current value$318,498
Return breakdown
Property appreciation+$89,206
Loan principal paid down+$38,790
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
0.64ratio
FMR$1,676
Market$2,600
vs market-$924

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

90% standard$1,508 / 0.58 ratio110% standard$1,844 / 0.71 ratio
0.64
1 BR
1 BR
0.83ratio
FMR$1,889
Market$2,270
vs market-$381

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

90% standard$1,700 / 0.75 ratio110% standard$2,078 / 0.92 ratio
0.83
2 BR
2 BR
0.84ratio
FMR$2,328
Market$2,770
vs market-$442

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

90% standard$2,095 / 0.76 ratio110% standard$2,561 / 0.92 ratio
0.84
3 BR
3 BR
0.95ratio
FMR$3,043
Market$3,190
vs market-$147

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

90% standard$2,739 / 0.86 ratio110% standard$3,347 / 1.05 ratio
0.95
4 BR
4 BR
0.85ratio
FMR$3,371
Market$3,980
vs market-$609

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

90% standard$3,034 / 0.76 ratio110% standard$3,708 / 0.93 ratio
0.85
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 08527 (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.

08527 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08527 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 08527 FMR, 08527 fair market rent, and 08527 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 08527
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371