08533
ZIPFMR
Ocean County, NJ
BRFMR
Eff. Rent
0 BR$1,676$1,800
1 BR$1,889$1,840
2 BR$2,328$2,520
3 BR$3,043$2,980
4 BR$3,371$3,090
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$312,554

Cost breakdown

+Likely effective rent$2,520
HUD FMR$2,328
Market rent$2,620
Est. payment standard (108%)Used$2,520
Estimated payment standard is $2,520 (108% of FMR).
-Principal and interest-$1,580
Loan amount$250,044
Down payment$62,511
Rate6.50%
Term30 years
-Operating costs-$740
Property taxes-$313
Insurance-$175
Utilities$0
HOA$0
Management-$252
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$40,191(64.3% ROI)
Projected value
$336,587
Current value$312,554
Return breakdown
Property appreciation+$24,033
Loan principal paid down+$8,958
Rental cash flow+$7,200
5-year hold
+$69,048(110.5% ROI)
Projected value
$353,627
Current value$312,554
Return breakdown
Property appreciation+$41,072
Loan principal paid down+$15,975
Rental cash flow+$12,000
10-year hold
+$149,608(239.3% ROI)
Projected value
$400,096
Current value$312,554
Return breakdown
Property appreciation+$87,542
Loan principal paid down+$38,066
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
0.90ratio
FMR$1,676
Market$1,870
vs market-$194

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

90% standard$1,508 / 0.81 ratio110% standard$1,844 / 0.99 ratio
0.90
1 BR
1 BR
1.03ratio
FMR$1,889
Market$1,840
vs market+$49

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

90% standard$1,700 / 0.92 ratio110% standard$2,078 / 1.13 ratio
1.03
2 BR
2 BR
0.89ratio
FMR$2,328
Market$2,620
vs market-$292

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

90% standard$2,095 / 0.80 ratio110% standard$2,561 / 0.98 ratio
0.89
3 BR
3 BR
1.02ratio
FMR$3,043
Market$2,980
vs market+$63

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

90% standard$2,739 / 0.92 ratio110% standard$3,347 / 1.12 ratio
1.02
4 BR
4 BR
1.09ratio
FMR$3,371
Market$3,090
vs market+$281

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

90% standard$3,034 / 0.98 ratio110% standard$3,708 / 1.20 ratio
1.09
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 08533 (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.

08533 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08533 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 08533 FMR, 08533 fair market rent, and 08533 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 08533
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371