FY2026 Fair Market Rents — Bergen-Passaic, NJ HUD Metro FMR Area

The HUD-published Fair Market Rents for FY2026 in this area are:

Studio
$1,778
1BR
$2,024
2BR
$2,324
3BR
$2,835
4BR
$3,618
Hours/week at min wage
116 hrs
to afford the 2BR FMR @ $15.49/hr (NJ)
YoY change (2BR)
+12.2%
+$252 vs FY2025 · 5-yr +31.4%
Voucher payment standard
$2,092–$2,556
PHAs set HCV payment at 90–110% of the 2BR FMR

Bergen-Passaic, NJ HUD Metro FMR Area

Non-Metropolitan area · NJ · View full history · Income limits · LIHTC rents

FY2026 Fair Market Rents

Bedroom Size Monthly FMR Annual Equivalent
Efficiency (Studio) $1,778 $21,336
1-Bedroom $2,024 $24,288
2-Bedroom $2,324 $27,888
3-Bedroom $2,835 $34,020
4-Bedroom $3,618 $43,416

Recent 2-Bedroom FMR Trend

FY2020 $1,623 → FY2026 $2,324
Fiscal Year Studio 1BR 2BR 3BR 4BR
FY2026 $1,778 $2,024 $2,324 $2,835 $3,618
FY2025 $1,556 $1,807 $2,072 $2,550 $3,225
FY2024 $1,400 $1,645 $1,892 $2,342 $2,946
FY2023 $1,321 $1,579 $1,832 $2,275 $2,859
FY2022 $1,237 $1,481 $1,736 $2,159 $2,691
FY2021 $1,253 $1,503 $1,768 $2,199 $2,724
FY2020 $1,151 $1,377 $1,623 $2,023 $2,481

View full FMR history back to FY2000 →

FY2026 Income Limits

Area Median Income (AMI): $139,100

AMI Level 1p 2p 3p 4p 5p 6p
30% AMI (Extremely Low) $29,250 $33,400 $37,600 $41,750 $45,100 $48,450
50% AMI (Very Low) $48,700 $55,650 $62,600 $69,550 $75,150 $80,700
80% AMI (Low) $75,900 $86,750 $97,600 $108,400 $117,100 $125,750

Full income limits table (all 8 household sizes) →

Affordability Snapshot

2BR Annual FMR
$27,888/yr
FMR as % of Area Median Income
20% of AMI
Under 30% — affordable at median income
Income Needed (30% rule, 2BR)
$92,960/yr
$7,747/mo gross income

FY2026 LIHTC Maximum Rents

Maximum gross rents for Low-Income Housing Tax Credit units, by income band. Full LIHTC details →

AMI Band Studio 1BR 2BR 3BR 4BR
50% AMI Maximum $1,217 $1,391 $1,564 $1,877 $2,016
60% AMI Maximum $1,460 $1,669 $1,877 $2,253 $2,420

FY2026 HOME Program Rent Limits

Maximum rents for HOME Investment Partnerships–funded units. High HOME rents apply to most assisted units; Low HOME rents apply to the lowest-income set-aside units. Full HOME rent details →

Limit Type Studio 1BR 2BR 3BR 4BR
High HOME Rent $1,778 $2,024 $2,260 $2,260 $2,260
Low HOME Rent $1,217 $1,391 $1,565 $1,738 $1,878

Small Area FMRs by ZIP Code

This metro publishes ZIP-level Small Area Fair Market Rents. Metro-wide 2BR FMR: $2,324. About SAFMRs →

Highest-cost ZIPs (2BR SAFMR)

07020 $3,490
07401 $3,490
07417 $3,490
07624 $3,490
07652 $3,490

Lowest-cost ZIPs (2BR SAFMR)

07074 $1,490
07505 $1,620
07055 $1,890
07501 $1,900
07524 $1,960
All 114 ZIP codes in this area
07006 07009 07010 07011 07012 07013 07014 07015 07020 07022 07024 07026 07031 07032 07043 07047 07055 07057 07070 07071 07072 07073 07074 07075 07110 07401 07403 07407 07410 07417 07420 07421 07423 07424 07430 07432 07435 07436 07438 07442 07446 07450 07451 07452 07456 07458 07460 07463 07465 07470 07474 07480 07481 07495 07501 07502 07503 07504 07505 07506 07507 07508 07509 07511 07512 07513 07514 07522 07524 07538 07543 07544 07601 07602 07603 07604 07605 07606 07607 07608 07620 07621 07624 07626 07627 07628 07630 07631 07632 07640 07641 07642 07643 07644 07645 07646 07647 07648 07649 07650 07652 07653 07656 07657 07660 07661 07662 07663 07666 07670 07675 07676 07677 07699

Compare Bergen-Passaic, NJ HUD Metro FMR Area With Other NJ Metros

vs. Atlantic City-Hammonton, NJ MSA vs. Bergen-Passaic, NJ HUD Metro FMR Area vs. Cape May County, NJ HUD Metro FMR Area vs. Jersey City, NJ HUD Metro FMR Area vs. Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area

Counties in This FMR Area

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