FY2027 Small Area FMR · Atlantic City, NJ

ZIP 08401 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 08401 (Atlantic City, NJ) is $1,690 a month, up 4.3% from FY2026. That is 11% below the Atlantic City-Hammonton, NJ area-wide FMR of $1,899.

2-bedroom SAFMR$1,690per month ▲ 4.3%

Area-wide 2 BR FMR$1,899Atlantic City-Hammonton, NJ

Rank in the area29thof 36 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,521

2 BR Small Area FMR$1,690

110% of SAFMR$1,859

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

Studio$1,220▲ 4.3%

1 BR$1,390▲ 4.5%

2 BR$1,690▲ 4.3%

3 BR$2,330▲ 4.0%

4 BR$2,570▲ 4.0%

FY2027 FY2026

Where 08401 sits in the Atlantic City-Hammonton, NJ area

Of the 36 ZIP codes HUD lists for the area, 08401 has the 29th highest two-bedroom Small Area FMR. Atlantic City-Hammonton, 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 $1,899 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,690 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	$1,220	$1,098 – $1,342	$1,378	$1,170
1 bedroom	$1,390	$1,251 – $1,529	$1,567	$1,330
2 bedrooms	$1,690	$1,521 – $1,859	$1,899	$1,620
3 bedrooms	$2,330	$2,097 – $2,563	$2,578	$2,240
4 bedrooms	$2,570	$2,313 – $2,827	$2,849	$2,470

A household renting a two-bedroom home at the Small Area FMR of $1,690 needs about $67,600 a year to keep housing costs at 30% of income. The area median family income is $97,500 and the 80% low-income limit for four people is $87,050. ZIP code 08401 lies mainly in Atlantic County. See the Atlantic City-Hammonton, NJ county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
08232	Pleasantville	3.3 mi	$1,700
08406	Ventnor City	3.3 mi	$2,000
08201	Absecon	3.4 mi	$2,380
08203	Brigantine	4.5 mi	$2,020
08402	Margate City	4.8 mi	$2,080
08225	Northfield	4.9 mi	$2,220

Questions

What is the Fair Market Rent for ZIP code 08401?

HUD's FY2027 Small Area Fair Market Rents for 08401 are $1,220 (studio), $1,390 (1 BR), $1,690 (2 BR), $2,330 (3 BR) and $2,570 (4 BR) a month.

What is the Section 8 payment standard in 08401?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 08401 that range is $1,521 to $1,859 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 08401?

The FY2026 income limits of the Atlantic City-Hammonton, NJ area apply: median family income $97,500, low-income (80%) limit $87,050 for a family of four.