HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Passaic County, New Jersey (FY 2027)
$2,282 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Passaic County, and it's the baseline every voucher in Passaic is measured against.
Two-bedroom FMR
$2,282
-1.8% from FY 2026
Payment standard
$2,054–$2,510
90% to 110% of the FMR, two-bedroom
Income to afford
$91,280
a year, with rent at 30% of income
Rank in New Jersey
8th of 21
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $1,772 | $1,595–$1,949 | $70,880 | $34.08/hr | -0.3% |
| 1 bedroom | $1,987 | $1,788–$2,186 | $79,480 | $38.21/hr | -1.8% |
| 2 bedroom | $2,282 | $2,054–$2,510 | $91,280 | $43.88/hr | -1.8% |
| 3 bedroom | $2,771 | $2,494–$3,048 | $110,840 | $53.29/hr | -2.3% |
| 4 bedroom | $3,497 | $3,147–$3,847 | $139,880 | $67.25/hr | -3.3% |
Five to eight 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 | $4,022 | $3,620–$4,424 |
| 6 bedroom Estimate | $4,546 | $4,091–$5,001 |
| 7 bedroom Estimate | $5,071 | $4,564–$5,578 |
| 8 bedroom Estimate | $5,595 | $5,036–$6,155 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
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.
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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 $2,054 and $2,510. 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.
$2,282 a month is affordable, by HUD's 30% rule, on an income of roughly $91,280 a year. Put another way, $44 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$2,054 | Voucher pays at 100%$2,282 | Voucher pays at 110%$2,510 |
|---|---|---|---|---|
| $2,500 | $750 | $1,304 | $1,532 | $1,760 |
| $4,000 | $1,200 | $854 | $1,082 | $1,310 |
Rate history
The two-bedroom rate went down 2% from FY 2026 ($2,324) to FY 2027 ($2,282). Since FY 2020 it's up 41% in total, about 5.0% a year. The New Jersey median moved up 1% over the same year.
| Fiscal 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 2027In effect | $1,772 | $1,987 | $2,282 | $2,771 | $3,497 | -1.8% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Passaic, that runs from $1,772 for a studio up to $3,497 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 $2,282 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 2% above the state median of $2,233 and about 115% above the national median county at $1,063. About 521,012 people live here, 9th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,610 in 07505 (Paterson) and $2,820 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 | $2,240 | -1.8% |
| 07012 | Clifton | $2,210 | -3.2% |
| 07013 | Clifton | $2,310 | +1.2% |
| 07014 | Clifton | $2,770 | +21.4% |
| 07015 | Clifton | $2,080 | -8.9% |
| 07055 | Passaic | $1,920 | -15.9% |
| 07403 | Bloomingdale | $2,290 | +0.4% |
| 07420 | Haskell | $2,200 | -3.6% |
| 07421 | Hewitt | $2,820 | +23.6% |
| 07424 | Little Falls | $2,300 | +0.8% |
| 07435 | Newfoundland | $2,180 | -4.5% |
| 07438 | Oak Ridge | $2,210 | -3.2% |
| 07442 | Pompton Lakes | $2,380 | +4.3% |
| 07456 | Ringwood | $2,690 | +17.9% |
| 07465 | Wanaque | $2,650 | +16.1% |
| 07470 | Wayne | $2,670 | +17.0% |
| 07474 | Wayne | $2,080 | -8.9% |
| 07480 | West Milford | $1,920 | -15.9% |
| 07501 | Paterson | $1,970 | -13.7% |
| 07502 | Paterson | $1,990 | -12.8% |
| 07503 | Paterson | $2,100 | -8.0% |
| 07504 | Paterson | $1,910 | -16.3% |
| 07505 | Paterson | $1,610 | -29.4% |
| 07506 | Hawthorne | $2,310 | +1.2% |
| 07507 | Hawthorne | $2,080 | -8.9% |
| 07508 | Haledon | $2,240 | -1.8% |
| 07509 | Paterson | $2,080 | -8.9% |
| 07510 | Paterson | $2,282County rate | — |
| 07511 | Totowa | $2,080 | -8.9% |
| 07512 | Totowa | $2,310 | +1.2% |
| 07513 | Paterson | $2,100 | -8.0% |
| 07514 | Paterson | $1,950 | -14.5% |
| 07522 | Paterson | $2,000 | -12.4% |
| 07524 | Paterson | $1,880 | -17.6% |
| 07533 | Paterson | $2,282County rate | — |
| 07538 | Haledon | $2,080 | -8.9% |
| 07543 | Paterson | $2,080 | -8.9% |
| 07544 | Paterson | $2,080 | -8.9% |
Counties sharing the Bergen-Passaic metro rate
HUD sets one rate for the whole metro, so every county here carries the same $2,282 two-bedroom figure as Passaic.
Nearby counties
Two-bedroom FMR, with how each compares to Passaic.
Bergen County
9 mi · 962,316 people
$2,282
same rate
Essex County
13 mi · 863,002 people
$2,233
-2%
Hudson County
17 mi · 718,323 people
$2,792
+22%
Morris County
17 mi · 514,528 people
$2,233
-2%
Union County
21 mi · 579,290 people
$2,233
-2%
Sussex County
26 mi · 145,807 people
$2,233
-2%
Middlesex County
34 mi · 871,290 people
$2,623
+15%
Somerset County
34 mi · 349,846 people
$2,623
+15%
Questions people ask
$2,282 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,772 for a studio, $1,987 for one bedroom, $2,771 for three and $3,497 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The 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. Free to start, no card.
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