FY2027 Small Area FMR · Phillipsburg, NJ
ZIP 08865 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 08865 (Phillipsburg, NJ) is $1,960 a month, up 8.3% from FY2026. That is 3% below the Warren County, NJ area-wide FMR of $2,021.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 08865 sits in the Warren County, NJ area
Of the 24 ZIP codes HUD lists for the area, 08865 has the 22nd highest two-bedroom Small Area FMR. Warren County, 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 $2,021 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,960 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,570 | $1,413 – $1,727 | $1,614 | $1,450 |
| 1 bedroom | $1,580 | $1,422 – $1,738 | $1,624 | $1,460 |
| 2 bedrooms | $1,960 | $1,764 – $2,156 | $2,021 | $1,810 |
| 3 bedrooms | $2,400 | $2,160 – $2,640 | $2,478 | $2,300 |
| 4 bedrooms | $2,850 | $2,565 – $3,135 | $2,937 | $2,670 |
A household renting a two-bedroom home at the Small Area FMR of $1,960 needs about $78,400 a year to keep housing costs at 30% of income. The area median family income is $127,900 and the 80% low-income limit for four people is $102,300. ZIP code 08865 lies mainly in Warren County. See the Warren County, NJ county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 08865?
HUD's FY2027 Small Area Fair Market Rents for 08865 are $1,570 (studio), $1,580 (1 BR), $1,960 (2 BR), $2,400 (3 BR) and $2,850 (4 BR) a month.
What is the Section 8 payment standard in 08865?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 08865 that range is $1,764 to $2,156 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 08865?
The FY2026 income limits of the Warren County, NJ area apply: median family income $127,900, low-income (80%) limit $102,300 for a family of four.