FY2027 Small Area FMR · Dividing Creek, NJ

ZIP 08315 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 08315 (Dividing Creek, NJ) is $1,700 a month, up 1.8% from FY2026. That is 0% equal to the Vineland, NJ area-wide FMR of $1,704.

2-bedroom SAFMR$1,700per month ▲ 1.8%

Area-wide 2 BR FMR$1,704Vineland, NJ

Rank in the area13thof 25 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,530

2 BR Small Area FMR$1,700

110% of SAFMR$1,870

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

Studio$1,280■ 0.0%

1 BR$1,420▲ 3.6%

2 BR$1,700▲ 1.8%

3 BR$2,350▲ 2.2%

4 BR$2,470▲ 6.9%

FY2027 FY2026

Where 08315 sits in the Vineland, NJ area

Of the 25 ZIP codes HUD lists for the area, 08315 has the 13th highest two-bedroom Small Area FMR. Vineland, 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 $1,704 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,700 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	$1,280	$1,152 – $1,408	$1,288	$1,280
1 bedroom	$1,420	$1,278 – $1,562	$1,420	$1,370
2 bedrooms	$1,700	$1,530 – $1,870	$1,704	$1,670
3 bedrooms	$2,350	$2,115 – $2,585	$2,360	$2,300
4 bedrooms	$2,470	$2,223 – $2,717	$2,478	$2,310

A household renting a two-bedroom home at the Small Area FMR of $1,700 needs about $68,000 a year to keep housing costs at 30% of income. The area median family income is $89,100 and the 80% low-income limit for four people is $78,000. ZIP code 08315 lies mainly in Cumberland County. See the Vineland, NJ county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
08349	Port Norris	1.3 mi	$2,210
08345	Newport	3.7 mi	$1,920
08321	Fortescue	4.3 mi	$2,010
08329	Mauricetown	4.6 mi	$2,140
08324	Heislerville	6.7 mi	$1,700
08311	Cedarville	6.9 mi	$1,670

Questions

What is the Fair Market Rent for ZIP code 08315?

HUD's FY2027 Small Area Fair Market Rents for 08315 are $1,280 (studio), $1,420 (1 BR), $1,700 (2 BR), $2,350 (3 BR) and $2,470 (4 BR) a month.

What is the Section 8 payment standard in 08315?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 08315 that range is $1,530 to $1,870 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 08315?

The FY2026 income limits of the Vineland, NJ area apply: median family income $89,100, low-income (80%) limit $78,000 for a family of four.