08733
ZIPFMR
Ocean County, NJ
BRFMR
Eff. Rent
0 BR$1,676$1,820
1 BR$1,889$1,930
2 BR$2,328$2,320
3 BR$3,043$2,990
4 BR$3,371$3,420
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$282,835

Cost breakdown

+Likely effective rent$2,320
HUD FMR$2,328
Market rentUsed$2,320
Est. payment standard (100%)$2,320
Market rent is below the inferred standard ($2,320, 100% of FMR).
-Principal and interest-$1,430
Loan amount$226,268
Down payment$56,567
Rate6.50%
Term30 years
-Operating costs-$690
Property taxes-$283
Insurance-$175
Utilities$0
HOA$0
Management-$232
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$37,054(65.5% ROI)
Projected value
$304,582
Current value$282,835
Return breakdown
Property appreciation+$21,747
Loan principal paid down+$8,107
Rental cash flow+$7,200
5-year hold
+$63,623(112.5% ROI)
Projected value
$320,001
Current value$282,835
Return breakdown
Property appreciation+$37,167
Loan principal paid down+$14,456
Rental cash flow+$12,000
10-year hold
+$137,664(243.4% ROI)
Projected value
$362,052
Current value$282,835
Return breakdown
Property appreciation+$79,218
Loan principal paid down+$34,447
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
0.89ratio
FMR$1,676
Market$1,890
vs market-$214

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

90% standard$1,508 / 0.80 ratio110% standard$1,844 / 0.98 ratio
0.89
1 BR
1 BR
0.97ratio
FMR$1,889
Market$1,950
vs market-$61

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

90% standard$1,700 / 0.87 ratio110% standard$2,078 / 1.07 ratio
0.97
2 BR
2 BR
1.00ratio
FMR$2,328
Market$2,320
vs market+$8

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

90% standard$2,095 / 0.90 ratio110% standard$2,561 / 1.10 ratio
1.00
3 BR
3 BR
1.02ratio
FMR$3,043
Market$2,990
vs market+$53

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
0.98ratio
FMR$3,371
Market$3,450
vs market-$79

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

90% standard$3,034 / 0.88 ratio110% standard$3,708 / 1.07 ratio
0.98
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 08733 (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.

08733 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08733 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 08733 FMR, 08733 fair market rent, and 08733 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 08733
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371