Bergen-Passaic, NJ: 2-bedroom payment standards across 102 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Bergen-Passaic, NJ HUD Metro FMR Area range from $1,490 to $3,490 for a 2-bedroom. The 90th-percentile ZIP code runs 1.61× the 10th — a gap of $1,239 a month — which ranks 18th widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Bergen-Passaic, NJ is one of the 65 designated Small Area FMR areas, so housing authorities in this area set payment standards from each ZIP code's own SAFMR rather than one area-wide figure. The spread below is policy, not a gap — though your PHA still chooses a figure within 90–110% of each ZIP's SAFMR, and may group ZIP codes together.

$2,475

median 2-bedroom SAFMR across the area's 102 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$1,239

monthly gap between the 90th- and 10th-percentile ZIP code ($2,029 to $3,268).

27.5%

of the area's ZIP codes (28 of 102) sit above $2,723 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.

Highest-rent ZIP codes in Bergen-Passaic, NJ

2 BR Small Area FMR area median across all 102 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.

Filter by ZIP code

Showing 102 of 102 ZIP codes

#	ZIP code	2 BR SAFMR ▾	Payment standard (90–110%)	vs area median
1	07020	$3,490	$3,141–$3,839	above 110%
2	07401	$3,490	$3,141–$3,839	above 110%
3	07417	$3,490	$3,141–$3,839	above 110%
4	07624	$3,490	$3,141–$3,839	above 110%
5	07652	$3,490	$3,141–$3,839	above 110%
6	07670	$3,490	$3,141–$3,839	above 110%
7	07423	$3,410	$3,069–$3,751	above 110%
8	07627	$3,350	$3,015–$3,685	above 110%
9	07024	$3,310	$2,979–$3,641	above 110%
10	07620	$3,280	$2,952–$3,608	above 110%
11	07626	$3,270	$2,943–$3,597	above 110%
12	07450	$3,250	$2,925–$3,575	above 110%
13	07481	$3,200	$2,880–$3,520	above 110%
14	07640	$3,200	$2,880–$3,520	above 110%
15	07463	$3,090	$2,781–$3,399	above 110%
16	07632	$3,050	$2,745–$3,355	above 110%
17	07430	$3,030	$2,727–$3,333	above 110%
18	07675	$3,030	$2,727–$3,333	above 110%
19	07458	$3,000	$2,700–$3,300	above 110%
20	07677	$3,000	$2,700–$3,300	above 110%
21	07676	$2,990	$2,691–$3,289	above 110%
22	07446	$2,910	$2,619–$3,201	above 110%
23	07648	$2,910	$2,619–$3,201	above 110%
24	07465	$2,900	$2,610–$3,190	above 110%
25	07456	$2,860	$2,574–$3,146	above 110%
26	07641	$2,850	$2,565–$3,135	above 110%
27	07645	$2,840	$2,556–$3,124	above 110%
28	07630	$2,770	$2,493–$3,047	above 110%
29	07649	$2,720	$2,448–$2,992	110%
30	07407	$2,690	$2,421–$2,959	109%
31	07607	$2,680	$2,412–$2,948	108%
32	07470	$2,660	$2,394–$2,926	107%
33	07605	$2,660	$2,394–$2,926	107%
34	07663	$2,650	$2,385–$2,915	107%
35	07452	$2,640	$2,376–$2,904	107%
36	07656	$2,630	$2,367–$2,893	106%
37	07014	$2,620	$2,358–$2,882	106%
38	07410	$2,620	$2,358–$2,882	106%
39	07631	$2,620	$2,358–$2,882	106%
40	07650	$2,590	$2,331–$2,849	105%
41	07657	$2,540	$2,286–$2,794	103%
42	07606	$2,520	$2,268–$2,772	102%
43	07075	$2,500	$2,250–$2,750	101%
44	07601	$2,500	$2,250–$2,750	101%
45	07647	$2,500	$2,250–$2,750	101%
46	07403	$2,480	$2,232–$2,728	100%
47	07451	$2,480	$2,232–$2,728	100%
48	07495	$2,480	$2,232–$2,728	100%
49	07602	$2,480	$2,232–$2,728	100%
50	07653	$2,480	$2,232–$2,728	100%
51	07699	$2,480	$2,232–$2,728	100%
52	07608	$2,470	$2,223–$2,717	100%
53	07661	$2,460	$2,214–$2,706	99%
54	07420	$2,430	$2,187–$2,673	98%
55	07432	$2,430	$2,187–$2,673	98%
56	07073	$2,410	$2,169–$2,651	97%
57	07010	$2,400	$2,160–$2,640	97%
58	07666	$2,400	$2,160–$2,640	97%
59	07070	$2,390	$2,151–$2,629	97%
60	07603	$2,380	$2,142–$2,618	96%
61	07442	$2,370	$2,133–$2,607	96%
62	07013	$2,360	$2,124–$2,596	95%
63	07506	$2,360	$2,124–$2,596	95%
64	07628	$2,360	$2,124–$2,596	95%
65	07662	$2,350	$2,115–$2,585	95%
66	07436	$2,340	$2,106–$2,574	95%
67	07642	$2,310	$2,079–$2,541	93%
68	07508	$2,300	$2,070–$2,530	93%
69	07071	$2,290	$2,061–$2,519	93%
70	07621	$2,290	$2,061–$2,519	93%
71	07643	$2,280	$2,052–$2,508	92%
72	07012	$2,260	$2,034–$2,486	91%
73	07011	$2,250	$2,025–$2,475	91%
74	07646	$2,240	$2,016–$2,464	91%
75	07512	$2,220	$1,998–$2,442	90%
76	07604	$2,210	$1,989–$2,431	89%
77	07644	$2,200	$1,980–$2,420	89%
78	07072	$2,170	$1,953–$2,387	88%
79	07660	$2,160	$1,944–$2,376	87%
80	07022	$2,150	$1,935–$2,365	87%
81	07026	$2,130	$1,917–$2,343	86%
82	07513	$2,130	$1,917–$2,343	86%
83	07503	$2,120	$1,908–$2,332	86%
84	07015	$2,110	$1,899–$2,321	85%
85	07474	$2,110	$1,899–$2,321	85%
86	07507	$2,110	$1,899–$2,321	85%
87	07509	$2,110	$1,899–$2,321	85%
88	07511	$2,110	$1,899–$2,321	85%
89	07538	$2,110	$1,899–$2,321	85%
90	07543	$2,110	$1,899–$2,321	85%
91	07544	$2,110	$1,899–$2,321	85%
92	07480	$2,020	$1,818–$2,222	82%
93	07057	$2,000	$1,800–$2,200	81%
94	07502	$1,990	$1,791–$2,189	80%
95	07504	$1,990	$1,791–$2,189	80%
96	07514	$1,980	$1,782–$2,178	80%
97	07522	$1,970	$1,773–$2,167	80%
98	07524	$1,960	$1,764–$2,156	79%
99	07501	$1,900	$1,710–$2,090	77%
100	07055	$1,890	$1,701–$2,079	76%
101	07505	$1,620	$1,458–$1,782	65%
102	07074	$1,490	$1,341–$1,639	60%

Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Bergen-Passaic, NJ compares

Its internal spread of 1.61× (p90 ÷ p10) ranks 18 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.29×. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →