08754
ZIPFMR
Ocean County, NJ
BRFMR
Eff. Rent
0 BR$1,676$1,840
1 BR$1,889$2,030
2 BR$2,328$2,270
3 BR$3,043$3,000
4 BR$3,371$3,640
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$275,405

Cost breakdown

+Likely effective rent$2,270
HUD FMR$2,328
Market rentUsed$2,270
Est. payment standard (98%)$2,290
Market rent is below the inferred standard ($2,290, 98% of FMR).
-Principal and interest-$1,393
Loan amount$220,324
Down payment$55,081
Rate6.50%
Term30 years
-Operating costs-$677
Property taxes-$275
Insurance-$175
Utilities$0
HOA$0
Management-$227
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$36,270(65.8% ROI)
Projected value
$296,581
Current value$275,405
Return breakdown
Property appreciation+$21,176
Loan principal paid down+$7,894
Rental cash flow+$7,200
5-year hold
+$62,267(113.0% ROI)
Projected value
$311,595
Current value$275,405
Return breakdown
Property appreciation+$36,190
Loan principal paid down+$14,077
Rental cash flow+$12,000
10-year hold
+$134,678(244.5% ROI)
Projected value
$352,541
Current value$275,405
Return breakdown
Property appreciation+$77,137
Loan principal paid down+$33,542
Rental cash flow+$24,000

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.79ratio
FMR$1,676
Market$2,110
vs market-$434

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

90% standard$1,508 / 0.71 ratio110% standard$1,844 / 0.87 ratio
0.79
1 BR
1 BR
0.90ratio
FMR$1,889
Market$2,100
vs market-$211

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

90% standard$1,700 / 0.81 ratio110% standard$2,078 / 0.99 ratio
0.90
2 BR
2 BR
1.03ratio
FMR$2,328
Market$2,270
vs market+$58

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

90% standard$2,095 / 0.92 ratio110% standard$2,561 / 1.13 ratio
1.03
3 BR
3 BR
1.01ratio
FMR$3,043
Market$3,000
vs market+$43

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

90% standard$2,739 / 0.91 ratio110% standard$3,347 / 1.12 ratio
1.01
4 BR
4 BR
0.89ratio
FMR$3,371
Market$3,780
vs market-$409

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

90% standard$3,034 / 0.80 ratio110% standard$3,708 / 0.98 ratio
0.89
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 08754 (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.

08754 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08754 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 08754 FMR, 08754 fair market rent, and 08754 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 08754
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371