FY2027 Small Area FMR · Fords, NJ

ZIP 08863 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 08863 (Fords, NJ) is $2,740 a month, up 4.2% from FY2026. That is 4% above the Middlesex-Somerset-Hunterdon, NJ area-wide FMR of $2,623.

2-bedroom SAFMR$2,740per month ▲ 4.2%

Area-wide 2 BR FMR$2,623Middlesex-Somerset-Hunterdon

Rank in the area45thof 114 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,466

2 BR Small Area FMR$2,740

110% of SAFMR$3,014

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

Studio$2,040▲ 6.8%

1 BR$2,200▲ 5.3%

2 BR$2,740▲ 4.2%

3 BR$3,260▲ 3.5%

4 BR$3,660▲ 4.9%

FY2027 FY2026

Where 08863 sits in the Middlesex-Somerset-Hunterdon, NJ area

Of the 114 ZIP codes HUD lists for the area, 08863 has the 45th highest two-bedroom Small Area FMR. Middlesex-Somerset-Hunterdon, 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 $2,623 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,740 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	$2,040	$1,836 – $2,244	$1,953	$1,910
1 bedroom	$2,200	$1,980 – $2,420	$2,103	$2,090
2 bedrooms	$2,740	$2,466 – $3,014	$2,623	$2,630
3 bedrooms	$3,260	$2,934 – $3,586	$3,125	$3,150
4 bedrooms	$3,660	$3,294 – $4,026	$3,508	$3,490

A household renting a two-bedroom home at the Small Area FMR of $2,740 needs about $109,600 a year to keep housing costs at 30% of income. The area median family income is $154,800 and the 80% low-income limit for four people is $114,600. ZIP code 08863 lies mainly in Middlesex County. See the Middlesex-Somerset-Hunterdon, NJ metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
08832	Keasbey	0.8 mi	$2,470
08837	Edison	1.8 mi	$2,500
08861	Perth Amboy	2.2 mi	$2,250
07095	Woodbridge	2.3 mi	$2,930
08840	Metuchen	2.6 mi	$2,930
08830	Iselin	3.0 mi	$2,890

Questions

What is the Fair Market Rent for ZIP code 08863?

HUD's FY2027 Small Area Fair Market Rents for 08863 are $2,040 (studio), $2,200 (1 BR), $2,740 (2 BR), $3,260 (3 BR) and $3,660 (4 BR) a month.

What is the Section 8 payment standard in 08863?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 08863 that range is $2,466 to $3,014 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 08863?

The FY2026 income limits of the Middlesex-Somerset-Hunterdon, NJ area apply: median family income $154,800, low-income (80%) limit $114,600 for a family of four.