08757
ZIPFMR
Ocean County, NJ
BRFMR
Eff. Rent
0 BR$1,676$1,840
1 BR$1,889$2,060
2 BR$2,328$2,240
3 BR$3,043$3,050
4 BR$3,371$3,520
5 BR$3,877
6 BR$4,458
7 BR$5,127
8 BR$5,896

Purchase Price Calculator

Maximum purchase price
$270,947

Cost breakdown

+Likely effective rent$2,240
HUD FMR$2,328
Market rentUsed$2,240
Est. payment standard (98%)$2,270
Market rent is below the inferred standard ($2,270, 98% of FMR).
-Principal and interest-$1,370
Loan amount$216,757
Down payment$54,189
Rate6.50%
Term30 years
-Operating costs-$670
Property taxes-$271
Insurance-$175
Utilities$0
HOA$0
Management-$224
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$35,799(66.1% ROI)
Projected value
$291,780
Current value$270,947
Return breakdown
Property appreciation+$20,833
Loan principal paid down+$7,766
Rental cash flow+$7,200
5-year hold
+$61,453(113.4% ROI)
Projected value
$306,551
Current value$270,947
Return breakdown
Property appreciation+$35,605
Loan principal paid down+$13,849
Rental cash flow+$12,000
10-year hold
+$132,887(245.2% ROI)
Projected value
$346,835
Current value$270,947
Return breakdown
Property appreciation+$75,888
Loan principal paid down+$32,999
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
0.83ratio
FMR$1,676
Market$2,020
vs market-$344

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

90% standard$1,508 / 0.75 ratio110% standard$1,844 / 0.91 ratio
0.83
1 BR
1 BR
0.88ratio
FMR$1,889
Market$2,150
vs market-$261

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

90% standard$1,700 / 0.79 ratio110% standard$2,078 / 0.97 ratio
0.88
2 BR
2 BR
1.04ratio
FMR$2,328
Market$2,240
vs market+$88

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

90% standard$2,095 / 0.94 ratio110% standard$2,561 / 1.14 ratio
1.04
3 BR
3 BR
1.00ratio
FMR$3,043
Market$3,050
vs market-$7

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

90% standard$2,739 / 0.90 ratio110% standard$3,347 / 1.10 ratio
1.00
4 BR
4 BR
0.94ratio
FMR$3,371
Market$3,600
vs market-$229

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

90% standard$3,034 / 0.84 ratio110% standard$3,708 / 1.03 ratio
0.94
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 08757 (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.

08757 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 08757 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 08757 FMR, 08757 fair market rent, and 08757 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 08757
Bedroom sizeHUD FMR
Studio$1,676
1 bedroom$1,889
2 bedroom$2,328
3 bedroom$3,043
4 bedroom$3,371