New Jersey · FIPS 34003 · HUD FY 2027
Bergen County, New Jersey Fair Market Rent
HUD’s FY 2027 Fair Market Rent for a 2-bedroom in Bergen County is $2,282 a month (rent plus utilities), 1% above the New Jersey average of $2,268 and 30% above the U.S. average of $1,761. That is down $42 (1.8%) from FY 2026. At 30% of income, a household needs about $91,280 a year to afford it.
- $2,2822-bedroom FMR−$42 (−1.8%) vs FY 2026
- $1,9871-bedroom FMRNew Jersey: $1,891 · U.S.: $1,478
- $91,280Income for a 2-bedroom$44/hour full-time
- 7 of 212BR rank in New Jersey1 = highest rent
| Unit | Bergen County FY 2027 | FY 2026 | Change | New Jersey avg | U.S. avg | Income needed |
|---|---|---|---|---|---|---|
| Studio | $1,772 | $1,778 | −$6 (−0.3%) | $1,725 | $1,379 | $70,880 |
| 1 bedroom | $1,987 | $2,024 | −$37 (−1.8%) | $1,891 | $1,478 | $79,480 |
| 2 bedrooms | $2,282 | $2,324 | −$42 (−1.8%) | $2,268 | $1,761 | $91,280 |
| 3 bedrooms | $2,771 | $2,835 | −$64 (−2.3%) | $2,793 | $2,266 | $110,840 |
| 4 bedrooms | $3,497 | $3,618 | −$121 (−3.3%) | $3,206 | $2,607 | $139,880 |
How Bergen County compares
- HUD sets this rent for the Bergen-Passaic, NJ metro FMR area, which covers 1,483,328 residents in 2 counties.
- Across New Jersey, 2-bedroom FMRs run from $1,704 (Cumberland County) to $2,792 (Hudson County).
- Studio to 4-bedroom: $1,772, $1,987, $2,282, $2,771, $3,497. HUD derives the other sizes from the 2-bedroom figure with fixed ratios, adjusted where local data warrant.
- HUD also publishes ZIP-level Small Area FMRs. For the 66 ZIP codes mostly in Bergen County (by land area), the 2-bedroom figure ranges from $1,440 to $3,420.
Small Area FMRs by ZIP code in Bergen County
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR | 2BR vs FY 2026 | 2BR vs area FMR |
|---|---|---|---|---|---|---|---|
| 07010 | $1,820 | $2,040 | $2,340 | $2,840 | $3,590 | −$60 (−2.5%) | 3% above |
| 07020 | $2,640 | $2,960 | $3,400 | $4,130 | $5,210 | −$90 (−2.6%) | 49% above |
| 07022 | $1,650 | $1,850 | $2,120 | $2,570 | $3,250 | −$30 (−1.4%) | 7% below |
| 07024 | $2,610 | $2,930 | $3,360 | $4,080 | $5,150 | +$50 (+1.5%) | 47% above |
| 07026 | $1,660 | $1,860 | $2,140 | $2,600 | $3,280 | +$10 (+0.5%) | 6% below |
| 07031 | $1,700 | $1,910 | $2,190 | $2,660 | $3,360 | −$50 (−2.2%) | 4% below |
| 07057 | $1,550 | $1,730 | $1,990 | $2,420 | $3,050 | −$10 (−0.5%) | 13% below |
| 07070 | $1,860 | $2,080 | $2,390 | $2,900 | $3,660 | no change | 5% above |
| 07071 | $1,770 | $1,990 | $2,280 | $2,770 | $3,490 | −$10 (−0.4%) | about the same as |
| 07072 | $1,560 | $1,750 | $2,010 | $2,440 | $3,080 | −$160 (−7.4%) | 12% below |
| 07073 | $1,860 | $2,080 | $2,390 | $2,900 | $3,660 | −$20 (−0.8%) | 5% above |
| 07074 | $1,120 | $1,250 | $1,440 | $1,750 | $2,210 | −$50 (−3.4%) | 37% below |
| 07075 | $1,840 | $2,060 | $2,370 | $2,880 | $3,630 | −$130 (−5.2%) | 4% above |
| 07401 | $2,590 | $2,900 | $3,330 | $4,040 | $5,100 | −$160 (−4.6%) | 46% above |
| 07407 | $2,050 | $2,300 | $2,640 | $3,210 | $4,050 | −$50 (−1.9%) | 16% above |
| 07410 | $1,910 | $2,140 | $2,460 | $2,990 | $3,770 | −$160 (−6.1%) | 8% above |
| 07417 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 | −$70 (−2.0%) | 50% above |
| 07423 | $2,490 | $2,790 | $3,200 | $3,890 | $4,900 | −$210 (−6.2%) | 40% above |
| 07430 | $2,240 | $2,510 | $2,880 | $3,500 | $4,410 | −$150 (−5.0%) | 26% above |
| 07432 | $1,810 | $2,030 | $2,330 | $2,830 | $3,570 | −$100 (−4.1%) | 2% above |
| 07436 | $1,620 | $1,840 | $2,110 | $2,570 | $3,280 | −$230 (−9.8%) | 8% below |
| 07446 | $2,350 | $2,630 | $3,020 | $3,670 | $4,630 | +$110 (+3.8%) | 32% above |
| 07450 | $2,450 | $2,740 | $3,150 | $3,830 | $4,830 | −$100 (−3.1%) | 38% above |
| 07452 | $1,920 | $2,150 | $2,470 | $3,000 | $3,780 | −$170 (−6.4%) | 8% above |
| 07458 | $2,340 | $2,600 | $2,970 | $3,620 | $4,500 | −$30 (−1.0%) | 30% above |
| 07463 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 | +$330 (+10.7%) | 50% above |
| 07481 | $2,410 | $2,700 | $3,100 | $3,760 | $4,750 | −$100 (−3.1%) | 36% above |
| 07601 | $1,990 | $2,230 | $2,560 | $3,110 | $3,920 | +$60 (+2.4%) | 12% above |
| 07603 | $1,860 | $2,090 | $2,400 | $2,910 | $3,680 | +$20 (+0.8%) | 5% above |
| 07604 | $1,620 | $1,820 | $2,090 | $2,540 | $3,200 | −$120 (−5.4%) | 8% below |
| 07605 | $2,070 | $2,330 | $2,670 | $3,240 | $4,090 | +$10 (+0.4%) | 17% above |
| 07606 | $1,910 | $2,140 | $2,460 | $2,990 | $3,770 | −$60 (−2.4%) | 8% above |
| 07607 | $1,960 | $2,190 | $2,520 | $3,060 | $3,860 | −$160 (−6.0%) | 10% above |
| 07608 | $1,890 | $2,120 | $2,430 | $2,950 | $3,720 | −$40 (−1.6%) | 6% above |
| 07620 | $2,490 | $2,790 | $3,200 | $3,890 | $4,910 | −$80 (−2.4%) | 40% above |
| 07621 | $1,750 | $1,960 | $2,250 | $2,730 | $3,450 | −$40 (−1.7%) | 1% below |
| 07624 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 | −$70 (−2.0%) | 50% above |
| 07626 | $2,460 | $2,760 | $3,170 | $3,850 | $4,860 | −$100 (−3.1%) | 39% above |
| 07627 | $2,540 | $2,840 | $3,270 | $3,960 | $5,000 | −$80 (−2.4%) | 43% above |
| 07628 | $1,810 | $2,030 | $2,330 | $2,830 | $3,570 | −$30 (−1.3%) | 2% above |
| 07630 | $1,930 | $2,170 | $2,500 | $3,050 | $3,880 | −$270 (−9.7%) | 10% above |
| 07631 | $2,000 | $2,250 | $2,580 | $3,130 | $3,950 | −$40 (−1.5%) | 13% above |
| 07632 | $2,350 | $2,630 | $3,020 | $3,670 | $4,630 | −$30 (−1.0%) | 32% above |
| 07640 | $2,440 | $2,740 | $3,150 | $3,820 | $4,820 | −$50 (−1.6%) | 38% above |
| 07641 | $2,160 | $2,420 | $2,780 | $3,380 | $4,260 | −$70 (−2.5%) | 22% above |
| 07642 | $1,790 | $2,000 | $2,300 | $2,790 | $3,520 | −$10 (−0.4%) | 1% above |
| 07643 | $1,760 | $1,980 | $2,270 | $2,760 | $3,480 | −$10 (−0.4%) | 1% below |
| 07644 | $1,680 | $1,880 | $2,160 | $2,620 | $3,310 | −$40 (−1.8%) | 5% below |
| 07645 | $2,100 | $2,360 | $2,710 | $3,290 | $4,150 | −$130 (−4.6%) | 19% above |
| 07646 | $1,720 | $1,930 | $2,220 | $2,700 | $3,400 | −$20 (−0.9%) | 3% below |
| 07647 | $1,920 | $2,150 | $2,470 | $3,000 | $3,780 | −$30 (−1.2%) | 8% above |
| 07648 | $2,230 | $2,490 | $2,860 | $3,480 | $4,390 | −$50 (−1.7%) | 25% above |
| 07649 | $2,140 | $2,390 | $2,750 | $3,340 | $4,210 | +$30 (+1.1%) | 21% above |
| 07650 | $1,960 | $2,200 | $2,530 | $3,070 | $3,880 | −$60 (−2.3%) | 11% above |
| 07652 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 | −$70 (−2.0%) | 50% above |
| 07656 | $2,040 | $2,290 | $2,630 | $3,190 | $4,030 | no change | 15% above |
| 07657 | $1,950 | $2,190 | $2,510 | $3,050 | $3,850 | −$30 (−1.2%) | 10% above |
| 07660 | $1,650 | $1,850 | $2,130 | $2,590 | $3,260 | −$30 (−1.4%) | 7% below |
| 07661 | $1,840 | $2,060 | $2,370 | $2,880 | $3,630 | −$90 (−3.7%) | 4% above |
| 07662 | $1,720 | $1,920 | $2,210 | $2,680 | $3,390 | −$140 (−6.0%) | 3% below |
| 07663 | $2,010 | $2,260 | $2,590 | $3,150 | $3,970 | −$60 (−2.3%) | 13% above |
| 07666 | $1,850 | $2,070 | $2,380 | $2,890 | $3,650 | −$20 (−0.8%) | 4% above |
| 07670 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 | −$70 (−2.0%) | 50% above |
| 07675 | $2,360 | $2,650 | $3,040 | $3,690 | $4,660 | +$10 (+0.3%) | 33% above |
| 07676 | $2,240 | $2,520 | $2,890 | $3,510 | $4,430 | −$100 (−3.3%) | 27% above |
| 07677 | $2,130 | $2,390 | $2,740 | $3,330 | $4,210 | −$260 (−8.7%) | 20% above |
Sources
- U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
- HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).
- ZIP-to-county assignment: Census Bureau 2020 ZCTA-to-county relationship file (file dated December 9, 2021), largest land-area overlap.
Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.