FY2027 Small Area FMR · Scotch Plains, NJ

ZIP 07076 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 07076 (Scotch Plains, NJ) is $2,580 a month, up 1.6% from FY2026. That is 16% above the Newark, NJ area-wide FMR of $2,233.

2-bedroom SAFMR$2,580per month ▲ 1.6%

Area-wide 2 BR FMR$2,233Newark, NJ

Rank in the area60thof 161 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,322

2 BR Small Area FMR$2,580

110% of SAFMR$2,838

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,890▲ 1.6%

1 BR$2,140▲ 1.9%

2 BR$2,580▲ 1.6%

3 BR$3,220▲ 1.3%

4 BR$3,680▲ 1.9%

FY2027 FY2026

Where 07076 sits in the Newark, NJ area

Of the 161 ZIP codes HUD lists for the area, 07076 has the 60th highest two-bedroom Small Area FMR. Newark, NJ is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $2,233 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,580 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,890	$1,701 – $2,079	$1,637	$1,860
1 bedroom	$2,140	$1,926 – $2,354	$1,850	$2,100
2 bedrooms	$2,580	$2,322 – $2,838	$2,233	$2,540
3 bedrooms	$3,220	$2,898 – $3,542	$2,785	$3,180
4 bedrooms	$3,680	$3,312 – $4,048	$3,188	$3,610

A household renting a two-bedroom home at the Small Area FMR of $2,580 needs about $103,200 a year to keep housing costs at 30% of income. The area median family income is $138,400 and the 80% low-income limit for four people is $106,800. ZIP code 07076 lies mainly in Union County. See the Newark, NJ metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
07023	Fanwood	0.9 mi	$3,130
07062	Plainfield	1.5 mi	$2,470
07090	Westfield	2.0 mi	$3,060
07060	Plainfield	2.8 mi	$2,360
07027	Garwood	2.9 mi	$2,250
07066	Clark	3.2 mi	$2,370

Questions

What is the Fair Market Rent for ZIP code 07076?

HUD's FY2027 Small Area Fair Market Rents for 07076 are $1,890 (studio), $2,140 (1 BR), $2,580 (2 BR), $3,220 (3 BR) and $3,680 (4 BR) a month.

What is the Section 8 payment standard in 07076?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 07076 that range is $2,322 to $2,838 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 07076?

The FY2026 income limits of the Newark, NJ area apply: median family income $138,400, low-income (80%) limit $106,800 for a family of four.