Income Limits by County

HUD Metro FMR Area · 2 counties

Bergen-Passaic, NJ Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the Bergen-Passaic, NJ area at $2,282 a month, down 1.8% from FY2026. The FY2026 median family income is $139,100. The same figures apply in all 2 counties of the area.

2-bedroom FMR$2,282per month ▼ 1.8%
Median family income$139,100FY2026
People in the area1,483,328HUD file, 2024

Fair Market Rent by unit size

FY2027 FY2026

Check your household

Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Bergen-Passaic, NJ.

Low income (80% limit)

A household of 4 earning $106,400 is under the 80% limit of $108,400 for this area. At 30% of income it could pay about $2,660 a month for rent and utilities.

This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.

Income limits

FY2026 income limits by household size (yearly gross income)
PeopleExtremely low30% / povertyVery low50%60% (LIHTC)MTSPLow income80%
1$29,250$48,700$58,440$75,900
2$33,400$55,650$66,780$86,750
3$37,600$62,600$75,120$97,600
4$41,750$69,550$83,460$108,400
5$45,100$75,150$90,180$117,100
6$48,450$80,700$96,840$125,750
7$51,800$86,250$103,500$134,450
8$55,720$91,850$110,220$143,100

HERA Special area. Tax-credit properties placed in service before 2009 may use HUD's higher HERA hold-harmless 60% limits here: $84,060 for four people, against the regular $83,460.

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$800$1,600$2,400$3,200200520102015202020252027$2,282FY2001: $1,003FY2002: $1,050FY2003: $1,090FY2004: $1,133FY2005: $1,132FY2006: $1,098FY2007: $1,163FY2008: $1,256FY2009: $1,249FY2010: $1,379FY2011: $1,494FY2012: $1,515FY2013: $1,450FY2014: $1,402FY2015: $1,371FY2016: $1,440FY2017: $1,557FY2018: $1,691FY2019: $1,674FY2020: $1,623FY2021: $1,768FY2022: $1,736FY2023: $1,832FY2024: $1,892FY2025: $2,072FY2026: $2,324FY2027: $2,282

Counties in the area

CountyPeople2 BR FMR
Bergen County, NJ962,316$2,282
Passaic County, NJ521,012$2,282

Small Area FMRs across 114 ZIP codes

Two-bedroom Small Area FMRs in the Bergen-Passaic, NJ area run from $1,440 to $3,420; the middle ZIP code is at $2,410, against the area-wide FMR of $2,282. This is a mandatory Small Area FMR area (designated 2016, in force since 4/1/2018): voucher payment standards follow the ZIP-code figures.

$1,440$3,420median $2,410

Highest ZIP codes

07417 (Franklin Lakes, NJ)$3,420
07463 (Waldwick, NJ)$3,420
07624 (Closter, NJ)$3,420
07652 (Paramus, NJ)$3,420
07670 (Tenafly, NJ)$3,420
07020 (Edgewater, NJ)$3,400
07024 (Fort Lee, NJ)$3,360
07401 (Allendale, NJ)$3,330

Lowest ZIP codes

07074 (Moonachie, NJ)$1,440
07505 (Paterson, NJ)$1,610
07524 (Paterson, NJ)$1,880
07504 (Paterson, NJ)$1,910
07480 (West Milford, NJ)$1,920
07055 (Passaic, NJ)$1,920
07514 (Paterson, NJ)$1,950
07501 (Paterson, NJ)$1,970

Questions

What is the Fair Market Rent in the Bergen-Passaic, NJ area?

HUD's FY2027 Fair Market Rents for the Bergen-Passaic, NJ area are $1,772 (studio), $1,987 (1 BR), $2,282 (2 BR), $2,771 (3 BR) and $3,497 (4 BR) a month.

What is the area median income for Bergen-Passaic, NJ?

The FY2026 median family income is $139,100; the 80% low-income limit for four people is $108,400.

Which counties are in this HUD metro area?

Bergen County, NJ and Passaic County, NJ.