What is the Fair Market Rent for a 2-bedroom in Bergen-Passaic, NJ HUD Metro FMR Area?

The HUD Fair Market Rent for a 2-bedroom unit in Bergen-Passaic, NJ HUD Metro FMR Area is $2,324 per month for fiscal year 2026. The studio FMR is $1,778, 1-bedroom is $2,024, 3-bedroom is $2,835, and 4-bedroom is $3,618.

What income do you need to afford the FMR in Bergen-Passaic, NJ HUD Metro FMR Area?

Using the standard 30%-of-income affordability rule, a household would need to earn about $92,960 per year ($7,747 per month) to afford the FY2026 2-bedroom Fair Market Rent of $2,324 in Bergen-Passaic, NJ HUD Metro FMR Area.

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)

National rank

#31

of 661 U.S. metros (top 6% most expensive)

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

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

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

vs. Atlantic City-Hammonton, NJ MSA 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 vs. Monmouth-Ocean, NJ HUD Metro FMR Area

Counties in This FMR Area

Bergen County Passaic County