New Jersey premium ZIP codes, ranked
| # | ZIP | Location | Voucher rent (2BR) | Voucher rent (3BR) | Typical market rent | Premium | Basis | |
|---|---|---|---|---|---|---|---|---|
| 1 | 08805 | Bound BrookSomerset County | $2,623 | $3,125 | $2,070 | +27% | County FMR | Analyze deal |
| 2 | 07032 | KearnyHudson County | $2,600 | $3,160 | $2,108 | +23% | ZIP SAFMR | Analyze deal |
| 3 | 08536 | PlainsboroMiddlesex County | $2,623 | $3,125 | $2,165 | +21% | County FMR | Analyze deal |
| 4 | 08043 | Voorhees TownshipCamden County | $2,250 | $2,680 | $1,902 | +18% | ZIP SAFMR | Analyze deal |
| 5 | 08610 | TrentonMercer County | $2,242 | $2,741 | $1,905 | +18% | County FMR | Analyze deal |
| 6 | 07001 | AvenelMiddlesex County | $2,623 | $3,125 | $2,256 | +16% | County FMR | Analyze deal |
| 7 | 07111 | IrvingtonEssex County | $2,233 | $2,785 | $1,920 | +16% | County FMR | Analyze deal |
| 8 | 07114 | NewarkEssex County | $2,233 | $2,785 | $1,926 | +16% | County FMR | Analyze deal |
| 9 | 08002 | Cherry HillCamden County | $2,470 | $2,940 | $2,148 | +15% | ZIP SAFMR | Analyze deal |
| 10 | 07755 | OakhurstMonmouth County | $3,250 | $4,170 | $2,833 | +15% | ZIP SAFMR | Analyze deal |
| 11 | 08611 | TrentonMercer County | $2,242 | $2,741 | $1,955 | +15% | County FMR | Analyze deal |
| 12 | 08880 | South Bound BrookSomerset County | $2,623 | $3,125 | $2,288 | +15% | County FMR | Analyze deal |
| 13 | 08012 | GrenlochCamden County | $2,030 | $2,420 | $1,773 | +15% | ZIP SAFMR | Analyze deal |
| 14 | 07094 | SecaucusHudson County | $3,480 | $4,230 | $3,058 | +14% | ZIP SAFMR | Analyze deal |
| 15 | 07050 | OrangeEssex County | $2,233 | $2,785 | $1,970 | +13% | County FMR | Analyze deal |
| 16 | 07442 | Pompton LakesPassaic County | $2,380 | $2,890 | $2,100 | +13% | ZIP SAFMR | Analyze deal |
| 17 | 07112 | NewarkEssex County | $2,233 | $2,785 | $1,972 | +13% | County FMR | Analyze deal |
| 18 | 08030 | Gloucester CityCamden County | $1,970 | $2,350 | $1,741 | +13% | ZIP SAFMR | Analyze deal |
| 19 | 07732 | HighlandsMonmouth County | $2,460 | $3,150 | $2,181 | +13% | ZIP SAFMR | Analyze deal |
| 20 | 08052 | Maple Shade TownshipBurlington County | $1,990 | $2,370 | $1,764 | +13% | ZIP SAFMR | Analyze deal |
| 21 | 07018 | East OrangeEssex County | $2,233 | $2,785 | $1,991 | +12% | County FMR | Analyze deal |
| 22 | 08876 | SomervilleSomerset County | $2,623 | $3,125 | $2,339 | +12% | County FMR | Analyze deal |
| 23 | 07107 | NewarkEssex County | $2,233 | $2,785 | $1,995 | +12% | County FMR | Analyze deal |
| 24 | 07017 | East OrangeEssex County | $2,233 | $2,785 | $1,997 | +12% | County FMR | Analyze deal |
| 25 | 08107 | CollingswoodCamden County | $1,660 | $1,980 | $1,486 | +12% | ZIP SAFMR | Analyze deal |
| 26 | 08051 | MantuaGloucester County | $2,220 | $2,650 | $1,993 | +11% | ZIP SAFMR | Analyze deal |
| 27 | 07104 | NewarkEssex County | $2,233 | $2,785 | $2,016 | +11% | County FMR | Analyze deal |
| 28 | 07828 | Budd LakeMorris County | $2,233 | $2,785 | $2,022 | +10% | County FMR | Analyze deal |
| 29 | 07501 | PatersonPassaic County | $1,970 | $2,390 | $1,796 | +10% | ZIP SAFMR | Analyze deal |
| 30 | 08053 | Evesham TownshipBurlington County | $2,670 | $3,180 | $2,450 | +9% | ZIP SAFMR | Analyze deal |
| 31 | 08852 | Monmouth JunctionMiddlesex County | $2,623 | $3,125 | $2,406 | +9% | County FMR | Analyze deal |
| 32 | 08618 | EwingMercer County | $2,242 | $2,741 | $2,061 | +9% | County FMR | Analyze deal |
| 33 | 08629 | TrentonMercer County | $2,242 | $2,741 | $2,068 | +8% | County FMR | Analyze deal |
| 34 | 07106 | NewarkEssex County | $2,233 | $2,785 | $2,064 | +8% | County FMR | Analyze deal |
| 35 | 07108 | NewarkEssex County | $2,233 | $2,785 | $2,065 | +8% | County FMR | Analyze deal |
| 36 | 07008 | CarteretMiddlesex County | $2,623 | $3,125 | $2,430 | +8% | County FMR | Analyze deal |
| 37 | 07302 | Jersey CityHudson County | $4,190 | $5,090 | $3,888 | +8% | ZIP SAFMR | Analyze deal |
| 38 | 07029 | HarrisonHudson County | $2,860 | $3,470 | $2,664 | +7% | ZIP SAFMR | Analyze deal |
| 39 | 07208 | ElizabethUnion County | $2,233 | $2,785 | $2,080 | +7% | County FMR | Analyze deal |
| 40 | 07095 | WoodbridgeMiddlesex County | $2,623 | $3,125 | $2,444 | +7% | County FMR | Analyze deal |
| 41 | 08904 | Highland ParkMiddlesex County | $2,623 | $3,125 | $2,447 | +7% | County FMR | Analyze deal |
| 42 | 07002 | BayonneHudson County | $2,500 | $3,040 | $2,338 | +7% | ZIP SAFMR | Analyze deal |
| 43 | 08054 | Mt Laurel TownshipBurlington County | $2,560 | $3,050 | $2,404 | +7% | ZIP SAFMR | Analyze deal |
| 44 | 07407 | Elmwood ParkBergen County | $2,640 | $3,210 | $2,481 | +6% | ZIP SAFMR | Analyze deal |
| 45 | 07305 | Jersey CityHudson County | $2,460 | $2,990 | $2,314 | +6% | ZIP SAFMR | Analyze deal |
| 46 | 08332 | MillvilleCumberland County | $1,704 | $2,360 | $1,615 | +6% | County FMR | Analyze deal |
| 47 | 07047 | North Bergen TownshipHudson County | $3,030 | $3,680 | $2,881 | +5% | ZIP SAFMR | Analyze deal |
| 48 | 08758 | WaretownOcean County | $2,540 | $3,260 | $2,419 | +5% | ZIP SAFMR | Analyze deal |
| 49 | 08879 | South AmboyMiddlesex County | $2,623 | $3,125 | $2,501 | +5% | County FMR | Analyze deal |
| 50 | 07304 | Jersey CityHudson County | $2,520 | $3,060 | $2,404 | +5% | ZIP SAFMR | Analyze deal |
| 51 | 08401 | Atlantic CityAtlantic County | $1,899 | $2,578 | $1,812 | +5% | County FMR | Analyze deal |
| 52 | 08902 | North BrunswickMiddlesex County | $2,623 | $3,125 | $2,505 | +5% | County FMR | Analyze deal |
| 53 | 07030 | HobokenHudson County | $4,190 | $5,090 | $4,005 | +5% | ZIP SAFMR | Analyze deal |
| 54 | 07087 | Union CityHudson County | $2,440 | $2,960 | $2,343 | +4% | ZIP SAFMR | Analyze deal |
| 55 | 07060 | PlainfieldUnion County | $2,233 | $2,785 | $2,150 | +4% | County FMR | Analyze deal |
| 56 | 07093 | West New YorkHudson County | $2,620 | $3,180 | $2,522 | +4% | ZIP SAFMR | Analyze deal |
| 57 | 07103 | NewarkEssex County | $2,233 | $2,785 | $2,149 | +4% | County FMR | Analyze deal |
| 58 | 08869 | RaritanSomerset County | $2,623 | $3,125 | $2,525 | +4% | County FMR | Analyze deal |
| 59 | 08837 | EdisonMiddlesex County | $2,623 | $3,125 | $2,538 | +3% | County FMR | Analyze deal |
| 60 | 08861 | Perth AmboyMiddlesex County | $2,623 | $3,125 | $2,540 | +3% | County FMR | Analyze deal |
| 61 | 07307 | Jersey CityHudson County | $2,770 | $3,370 | $2,686 | +3% | ZIP SAFMR | Analyze deal |
| 62 | 08638 | EwingMercer County | $2,242 | $2,741 | $2,190 | +2% | County FMR | Analyze deal |
| 63 | 08402 | Margate CityAtlantic County | $1,899 | $2,578 | $1,858 | +2% | County FMR | Analyze deal |
| 64 | 08865 | PhillipsburgWarren County | $2,021 | $2,478 | $1,988 | +2% | County FMR | Analyze deal |
| 65 | 07731 | HowellMonmouth County | $3,210 | $4,120 | $3,171 | +1% | ZIP SAFMR | Analyze deal |
| 66 | 08735 | LavalletteOcean County | $2,090 | $2,680 | $2,067 | +1% | ZIP SAFMR | Analyze deal |
| 67 | 07882 | WashingtonWarren County | $2,021 | $2,478 | $2,008 | +1% | County FMR | Analyze deal |
| 68 | 07522 | PatersonPassaic County | $2,000 | $2,430 | $1,996 | +0% | ZIP SAFMR | Analyze deal |
Premium compares the 2-bedroom voucher rent to the ZIP's typical asking rent across all home sizes. Rent data provided by Zillow Research.
How these numbers are calculated
- Voucher rent is the HUD FY2027 2-bedroom Small Area Fair Market Rent (SAFMR) where it applies, otherwise the county or metro Fair Market Rent. This is the basis housing authorities use to set payment standards, typically 90 to 110 percent of it, and it is a gross rent that includes a utility allowance.
- Typical market rent is the Zillow Observed Rent Index (ZORI) for the ZIP code as of September 2026, a smoothed measure of asking rents across all home types and sizes. Rent data provided by Zillow Research.
- Premium compares the 2-bedroom voucher rent against that blended market figure, which is the conservative comparison. Premiums for 3 and 4 bedroom homes are often larger.
- The premium is a screening signal, not a guarantee. Housing authorities run a rent reasonableness review against unassisted comparables before approving any contract rent, and the payment standard is a ceiling, not an entitlement. Always verify with the local housing authority.
Sources: HUD Fair Market Rents and Zillow Research (ZORI). FMRs effective October 1 each year; ZORI updates monthly.
Frequently asked questions
- Which ZIP code in New Jersey has the biggest Section 8 premium?
- 08805 (Bound Brook) currently shows the largest gap: the 2-bedroom voucher rent basis is $2,623 against a typical market rent of $2,070, a +27% premium.
- How many ZIP codes in New Jersey pay above market rent?
- Of the 258 New Jersey ZIP codes with both HUD and market rent data, 68 currently show a voucher rent basis above the typical asking rent.
- Can I actually charge the full amount shown here?
- Not automatically. The housing authority sets a payment standard between 90 and 110 percent of the FMR or SAFMR, and every lease passes a rent reasonableness review against comparable unassisted units. Treat the premium as a screening signal for where to look, then verify with the local housing authority.