FMR Lookup › New Jersey › Bergen-Passaic
Section 8 Fair Market Rent in Bergen-Passaic, NJ (FY2026)
HUD's official FY2026 Fair Market Rents for the Bergen-Passaic, NJ HUD Metro FMR Area, by bedroom count. These figures set the baseline for what the Housing Choice Voucher program pays landlords in this area.
| Unit size | FY2026 FMR | Payment standard range (90–110%) |
|---|---|---|
| Studio / efficiency | $1,778 | $1,600 – $1,956 |
| 1 bedroom | $2,024 | $1,822 – $2,226 |
| 2 bedrooms | $2,324 | $2,092 – $2,556 |
| 3 bedrooms | $2,835 | $2,552 – $3,119 |
| 4 bedrooms | $3,618 | $3,256 – $3,980 |
Source: HUD User — FY 2026 Fair Market Rents. FY2026 FMRs are effective October 1, 2025. Retrieved 2026-06-11.
How this market compares
The 2-bedroom FMR here is $2,324 — 19% above the New Jersey median of $1,950 across all 11 FMR areas in the state.
Counties and towns covered
The Bergen-Passaic, NJ FMR area is a metro area covering: Bergen County, Passaic County. One FMR applies across the whole area — HUD does not publish separate figures per city or ZIP here (some large metros have Small Area FMRs by ZIP; check with the local housing authority).
What a landlord actually collects
FMR is the baseline, not the contract rent. The local housing authority sets a payment standard between 90% and 110% of FMR (the range in the table above), and your unit must pass a rent-reasonableness comparison against similar unassisted rentals nearby. The voucher then covers the gap between the tenant's share (roughly 30% of their income) and the approved rent.
Run the numbers for a deal in Bergen-Passaic: Section 8 vs market rent, DSCR, or cash-on-cash return.
Comparable New Jersey markets by 2BR FMR
| FMR area | 1 BR | 2 BR | 3 BR |
|---|---|---|---|
| Monmouth-Ocean | $1,889 | $2,328 | $3,043 |
| Newark | $1,822 | $2,205 | $2,761 |
| Middlesex-Somerset-Hunterdon | $1,978 | $2,486 | $2,981 |
| Trenton-Princeton | $1,545 | $1,950 | $2,338 |
| Warren County | $1,527 | $1,895 | $2,404 |
| Jersey City | $2,458 | $2,763 | $3,367 |
Informational only — not financial, legal, or lending advice. Confirm current payment standards with the housing authority serving Bergen-Passaic.