HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Passaic County, New Jersey (FY 2026)
$2,324 a month. That's HUD's FY 2026 Fair Market Rent for a two-bedroom in Passaic County, and it's the baseline every voucher in Passaic is measured against.
2 bedroom FMR
$2,324
FY 2026, utilities included
Payment standard range
$2,092 to $2,556
90% to 110% of FMR
Income to afford 2BR
$92,960
per year, at 30% of income
Rank in New Jersey
8th of 21
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Passaic moves to $2,282. That's down 2%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Passaic actually rent for?
Search any address in Passaic for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $1,778 | $1,600 to $1,956 | $71,120 | $34.19/hr | +14.3% |
| 1 bedroom | $2,024 | $1,822 to $2,226 | $80,960 | $38.92/hr | +12.0% |
| 2 bedroom | $2,324 | $2,092 to $2,556 | $92,960 | $44.69/hr | +12.2% |
| 3 bedroom | $2,835 | $2,552 to $3,119 | $113,400 | $54.52/hr | +11.2% |
| 4 bedroom | $3,618 | $3,256 to $3,980 | $144,720 | $69.58/hr | +12.2% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $4,161 | $3,745 to $4,577 |
| 6 bedroom Estimate | $4,703 | $4,233 to $5,173 |
| 7 bedroom Estimate | $5,246 | $4,721 to $5,771 |
| 8 bedroom Estimate | $5,789 | $5,210 to $6,368 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Passaic, that runs from $1,778 for a studio up to $3,618 for four bedrooms, all five rates in the table above.
This is a metro rate. The county doesn't get one of its own. HUD lumps Passaic in with one other county in the Bergen-Passaic metro, Bergen County among them, and every one of them gets $2,324 for a two-bedroom. Where you are inside the metro doesn't change the county number. It does change the ZIP number, covered below.
Among New Jersey's 21 counties, Passaic ranks 8th for two-bedroom FMR. That's about 5% above the state median of $2,205 and about 128% above the national median county at $1,018. About 519,986 people live here, 9th in the state.
Counties sharing the Bergen-Passaic metro rate
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,620 in 07505 (Paterson) and $3,020 in 07421 (Hewitt), with the 36 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 07011 | Clifton | $2,250 | -3.2% |
| 07012 | Clifton | $2,260 | -2.8% |
| 07013 | Clifton | $2,360 | +1.5% |
| 07014 | Clifton | $2,620 | +12.7% |
| 07015 | Clifton | $2,110 | -9.2% |
| 07055 | Passaic | $1,890 | -18.7% |
| 07403 | Bloomingdale | $2,480 | +6.7% |
| 07420 | Haskell | $2,430 | +4.6% |
| 07421 | Hewitt | $3,020 | +29.9% |
| 07424 | Little Falls | $2,310 | -0.6% |
| 07435 | Newfoundland | $2,240 | -3.6% |
| 07438 | Oak Ridge | $2,290 | -1.5% |
| 07442 | Pompton Lakes | $2,370 | +2.0% |
| 07456 | Ringwood | $2,860 | +23.1% |
| 07465 | Wanaque | $2,900 | +24.8% |
| 07470 | Wayne | $2,660 | +14.5% |
| 07474 | Wayne | $2,110 | -9.2% |
| 07480 | West Milford | $2,020 | -13.1% |
| 07501 | Paterson | $1,900 | -18.2% |
| 07502 | Paterson | $1,990 | -14.4% |
| 07503 | Paterson | $2,120 | -8.8% |
| 07504 | Paterson | $1,990 | -14.4% |
| 07505 | Paterson | $1,620 | -30.3% |
| 07506 | Hawthorne | $2,360 | +1.5% |
| 07507 | Hawthorne | $2,110 | -9.2% |
| 07508 | Haledon | $2,300 | -1.0% |
| 07509 | Paterson | $2,110 | -9.2% |
| 07510 | Paterson | $2,324County rate | — |
| 07511 | Totowa | $2,110 | -9.2% |
| 07512 | Totowa | $2,220 | -4.5% |
| 07513 | Paterson | $2,130 | -8.3% |
| 07514 | Paterson | $1,980 | -14.8% |
| 07522 | Paterson | $1,970 | -15.2% |
| 07524 | Paterson | $1,960 | -15.7% |
| 07533 | Paterson | $2,324County rate | — |
| 07538 | Haledon | $2,110 | -9.2% |
| 07543 | Paterson | $2,110 | -9.2% |
| 07544 | Paterson | $2,110 | -9.2% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Passaic somewhere between $2,092 and $2,556. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$2,324 a month is affordable, by HUD's 30% rule, on an income of roughly $92,960 a year. Put another way, $45 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($2,092) | HAP at 100% ($2,324) | HAP at 110% ($2,556) |
|---|---|---|---|---|
| $2,500 | $750 | $1,342 | $1,574 | $1,806 |
| $4,000 | $1,200 | $892 | $1,124 | $1,356 |
Rate history
The two-bedroom rate went up 12% from FY 2025 ($2,072) to FY 2026 ($2,324). Since FY 2020 it's up 43% in total, about 6.2% a year. The New Jersey median moved up 8% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $1,151 | $1,377 | $1,623 | $2,023 | $2,481 | — |
| FY 2021 | $1,253 | $1,503 | $1,768 | $2,199 | $2,724 | +8.9% |
| FY 2022 | $1,237 | $1,481 | $1,736 | $2,159 | $2,691 | -1.8% |
| FY 2023 | $1,321 | $1,579 | $1,832 | $2,275 | $2,859 | +5.5% |
| FY 2024 | $1,400 | $1,645 | $1,892 | $2,342 | $2,946 | +3.3% |
| FY 2025 | $1,556 | $1,807 | $2,072 | $2,550 | $3,225 | +9.5% |
| FY 2026 | $1,778 | $2,024 | $2,324 | $2,835 | $3,618 | +12.2% |
| FY 2027 | $1,772 | $1,987 | $2,282 | $2,771 | $3,497 | -1.8% |
Nearby counties
Bergen County
$2,3249 mi · pop 953,243
Essex County
$2,20513 mi · pop 853,374
Hudson County
$2,76317 mi · pop 712,029
Morris County
$2,20517 mi · pop 508,816
Union County
$2,20521 mi · pop 572,079
Sussex County
$2,20526 mi · pop 144,808
Middlesex County
$2,48634 mi · pop 860,147
Somerset County
$2,48634 mi · pop 344,978
Questions people ask
$2,324 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,778 for a studio, $2,024 for one bedroom, $2,835 for three and $3,618 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Passaic actually go for?
HUD's number is one input. Search any address in Passaic for a rent estimate built from nearby comps. 3 free searches, no card.
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