High-rent metro gap - Bergen-Passaic, NJ HUD Metro FMR Area
Displayed gap in Bergen-Passaic, NJ HUD Metro FMR Area: +28.0% (HUD $2,324 vs ACS $1,815) · counties in FMR rows: Bergen County, Passaic County .
FMR gap dispatch plate
CBSA 35620 · Bergen-Passaic, NJ -28.0% shortfall
GAP-GENEROUS · FMR-TOP · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL
- GAP-GENEROUS 28.0% surplus
- FMR-TOP #378/396 · P95
- SPREAD-PLUS +$509
- PHOTO-FINISH Chicago-Naperville
- COUNTY-SPARSE 2 counties
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Chicago-Naperville-Elgin, IL-IN Metro Area (+0.0pp)
HUD's reference overshoots the ACS median by $509/mo. Lease-up odds are usually better than in shortfall markets, though still compare Chicago-Naperville-Elgin, IL-IN Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around Bergen-Passaic, NJ
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Hartford-West Ha -28
Hartford-West Ha: -28.0% shortfall
-28 % shortfall
- Bergen-Passaic · this metro -28.04
Bergen-Passaic · this metro: -28.0% shortfall
-28.04 % shortfall
- Chicago-Napervil -28.04
Chicago-Napervil: -28.0% shortfall
-28.04 % shortfall
- Myrtle Beach-Con -28.06
Myrtle Beach-Con: -28.1% shortfall
-28.06 % shortfall
- Gainesville -28.09
Gainesville: -28.1% shortfall
-28.09 % shortfall
How does Bergen-Passaic, NJ compare with nearby FMR areas?
These are the twelve metros closest to Bergen-Passaic, NJ on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Chicago-Naperville-Elgin, IL-IN Metro Area
-28.0% shortfall · HUD $1,781 vs ACS $1,391 · $+$390/mo
HUD FMR-area counties: Cook County, DuPage County, Kane County, Lake County, McHenry County, Will County.
- Myrtle Beach-Conway-North Myrtle Beach, SC Metro Area
-28.1% shortfall · HUD $1,465 vs ACS $1,144 · $+$321/mo
HUD FMR-area counties: Horry County.
- Hartford-West Hartford-East Hartford, CT Metro Area
-28.0% shortfall · HUD $1,865 vs ACS $1,457 · $+$408/mo
HUD FMR-area counties: Capitol Planning Region, Capitol Planning Region, Capitol Planning Region, Capitol Planning Region, Capitol Planning Region, Capitol Planning Region.
- Gainesville, GA Metro Area
-28.1% shortfall · HUD $1,514 vs ACS $1,182 · $+$332/mo
HUD FMR-area counties: Hall County.
- Prescott Valley-Prescott, AZ Metro Area
-28.0% shortfall · HUD $1,637 vs ACS $1,279 · $+$358/mo
HUD FMR-area counties: Yavapai County.
- Carson City, NV Metro Area
-28.2% shortfall · HUD $1,546 vs ACS $1,206 · $+$340/mo
HUD FMR-area counties: Carson City.
- New Haven, CT Metro Area
-28.2% shortfall · HUD $1,969 vs ACS $1,536 · $+$433/mo
HUD FMR-area counties: South Central Connecticut Planning Region, South Central Connecticut Planning Region, South Central Connecticut Planning Region, South Central Connecticut Planning Region, South Central Connecticut Planning Region, South Central Connecticut Planning Region.
- Grand Island, NE Metro Area
-28.3% shortfall · HUD $1,215 vs ACS $947 · $+$268/mo
HUD FMR-area counties: Hall County.
- Florence, SC Metro Area
-28.4% shortfall · HUD $1,098 vs ACS $855 · $+$243/mo
HUD FMR-area counties: Darlington County.
- Boise City, ID Metro Area
-27.6% shortfall · HUD $1,655 vs ACS $1,297 · $+$358/mo
HUD FMR-area counties: Ada County, Boise County, Canyon County, Owyhee County.
- Yakima, WA Metro Area
-27.6% shortfall · HUD $1,374 vs ACS $1,077 · $+$297/mo
HUD FMR-area counties: Yakima County.
- Urban Honolulu, HI Metro Area
-27.6% shortfall · HUD $2,642 vs ACS $2,071 · $+$571/mo
HUD FMR-area counties: Honolulu County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
NJ FMR scale context
These are the closest FY2026 2-BR FMR values in NJ; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Trenton-Princeton, NJ MSA $1,950 (−$374)
- Warren County, NJ HUD Metro FMR Area $1,895 (−$429)
- Atlantic City-Hammonton, NJ HUD Metro FMR Area $1,867 (−$457)
- Ocean City, NJ MSA $1,792 (−$532)
- Vineland, NJ MSA $1,673 (−$651)
Low-FMR contrast (scale only)
Muncie, IN MSA ($1,043 2-BR); Owensboro, KY MSA ($1,110 2-BR); Massac County, IL HUD Metro FMR Area ($969 2-BR); Morgantown, WV MSA ($1,099 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Bergen-Passaic, NJ HUD Metro FMR Area.
Bergen-Passaic, NJ HUD Metro FMR Area gap inputs
- HUD 2-BR FMR (FY2026): $2,324/mo
- ACS 2019–2023 2-BR median: $1,815/mo
- Displayed gap: +28.0%
- National FMR percentile: 95 (#378/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
NJ HCV agencies (scale-keyed)
Full payment standards for Bergen-Passaic, NJ HUD Metro FMR Area · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.