County FMR · HUD FY2026

Cumberland County Fair Market Rent

HUD's FY2026 Fair Market Rent for Cumberland County, NJ - 43% above the US average.

$1,375
1-bedroom FMR
$1,673
2-bedroom FMR
+7.8%
YoY change
+43%
vs US avg

The verdict

Cumberland is the 1st cheapest of 21 counties in New Jersey by 2-bedroom FMR; nationally it ranks #346 most expensive of 3,145 HUD counties; rent here has climbed 7.8% since FY 2025, a modest shift relative to most counties.

#346
most expensive of 3,145 US counties (2BR)
#1
cheapest of 21 in New Jersey (2BR)
-22%
vs the state average
$55,000
income to afford it (30% rule)

General and Operations Managers spend the smallest share of income on rent here (11%), while Fast Food and Counter Workers spend the most (49.6%).

FY 2026 HUD Fair Market Rent for Cumberland County, NJ. Verify with HUD →

The Fair Market Rent for a 1-bedroom apartment in Cumberland County, New Jersey is $1,375 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $1,673/mo and a studio is $1,280/mo. This is 43% higher than the national average of $959 and 22% below the New Jersey average of $1,759.

Rent increased7.8% from FY 2025 ($1,275), outpacing inflation. A household needs about $55,000/year to stay under the 30% rent-to-income line.

FY 2026 HUD Fair Market Rents in New Jersey. Population: 153,588. Population has held roughly steady over the past five years (-0.3%, Census ACS). That's slower than New Jersey's statewide growth of +4.3% over the same period.

FMR filing desk

Area CUMBERLAND·COUNTY·NJ·NJ

Cumberland County, NJ: $1,375/mo 1BR · #346 of 3145 counties (2BR) · FY2026

  • FMR-AREA NJ
  • 1BR-FMR $1,375
  • 2BR-FMR $1,673
  • RANK-MID #346
  • YOY-SURGE +7.8%
  • VSUS-HIGH +43%
  • VS-ST-LOW -22% NJ
  • INC-MID 26%
  • POP-MID 154K
  • PHOTO-NEAR Bergen County
  • VOUCH-90-110 $1,238–$1,513
  • FY-2026 FY2026

Photo-finish peer: Bergen ($649 1BR gap)

Read with: Understanding rent burden

Fair Market Rents (2026)

Studio
State avg: $1,599 · US avg: $893
$1,280/mo
↑ 6.0% YoY -20% vs state +43% vs US
1 Bedroom
State avg: $1,759 · US avg: $959
$1,375/mo
↑ 7.8% YoY -22% vs state +43% vs US
2 Bedroom
State avg: $2,132 · US avg: $1,175
$1,673/mo
↑ 5.2% YoY -22% vs state +42% vs US
3 Bedroom
State avg: $2,658 · US avg: $1,525
$2,303/mo
↑ 6.5% YoY -13% vs state +51% vs US
4 Bedroom
State avg: $3,005 · US avg: $1,756
$2,311/mo
↑ 5.7% YoY -23% vs state +32% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $1,208
$1,280
+$72 (+6.0%)
1 Bedroom $1,275
$1,375
+$100 (+7.8%)
2 Bedroom $1,591
$1,673
+$82 (+5.2%)
3 Bedroom $2,163
$2,303
+$140 (+6.5%)
4 Bedroom $2,186
$2,311
+$125 (+5.7%)

Rent Burden Analysis

How much of household income goes to rent in Cumberland County. The 30% threshold indicates cost burden.

Studio
23.8%
Affordable
Need $51,200/yr for 30% rule
1 Bedroom
25.6%
Affordable
Need $55,000/yr for 30% rule
2 Bedroom
31.1%
Burdened
Need $66,920/yr for 30% rule
3 Bedroom
42.8%
Burdened
Need $92,120/yr for 30% rule
4 Bedroom
43%
Burdened
Need $92,440/yr for 30% rule
How we calculate this

Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.

0%100%National avg22%31.1%
Cumberland County 2-bedroom rent burden
County median income: $64,499 · National avg burden: 21.7% ·View New Jersey rent burden →

Where Cumberland sits among every US county

2-bedroom Fair Market Rent vs. all 3,145 HUD counties

$1,673 Top 11% higher than 89% of 3,145 counties

$600–$800: 23 counties (1%). Below this entry. $800–$1,000: 1,406 counties (45%). Below this entry. $1,000–$1,200: 723 counties (23%). Below this entry. $1,200–$1,400: 417 counties (13%). Below this entry. $1,400–$1,600: 181 counties (6%). Below this entry. $1,600–$1,800: 172 counties (5%). This entry sits in this band. $1,800–$2,000: 108 counties (3%). Above this entry. $2,000–$2,200: 29 counties (1%). Above this entry. $2,200–$2,400: 40 counties (1%). Above this entry. $2,400–$2,600: 13 counties (0%). Above this entry. $2,600–$2,800: 9 counties (0%). Above this entry. $2,800–$3,000: 15 counties (0%). Above this entry. $3,000–$3,200: 3 counties (0%). Above this entry. $3,200–$3,400: 1 counties (0%). Above this entry. $3,400–$3,600: 1 counties (0%). Above this entry. $3,600–$3,800: 3 counties (0%). Above this entry. $3,800–$4,000: 0 counties (0%). Above this entry. $4,000–$4,200: 0 counties (0%). Above this entry. $4,200–$4,400: 1 counties (0%). Above this entry. This county $600 $4,400 every US county, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

How Cumberland compares on 1-bedroom rent

1-bedroom FMR vs other New Jersey counties

1BR FMR / mo

What this shows Cumberland is highlighted. Nearby New Jersey counties by 1-bedroom FMR, highest to lowest: Hudson County ($2,458), Bergen County ($2,024), Middlesex County ($1,978), Monmouth County ($1,889), Ocean County ($1,889), Essex County ($1,822), Cumberland County (this county) ($1,375).

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Can Common Jobs Afford Rent Here?

Against a high local FMR of $1,375/mo, which of 15 common occupations still clear the 30% line using New Jersey BLS wages?

Occupation NJ Salary Rent Burden Verdict
General & Operations Managers $149,990 11% Affordable
Software Developers $132,400 12.5% Affordable
Registered Nurses $102,730 16.1% Affordable
Accountants & Auditors $101,340 16.3% Affordable
Police & Sheriff's Patrol Officers $89,030 18.5% Affordable
Elementary School Teachers $77,150 21.4% Affordable
Electricians $73,090 22.6% Affordable
Heavy & Tractor-Trailer Truck Drivers $64,720 25.5% Affordable
Paralegals & Legal Assistants $62,790 26.3% Affordable
Customer Service Representatives $46,740 35.3% Stretched
Pharmacy Technicians $38,890 42.4% Stretched
Janitors & Cleaners $37,320 44.2% Stretched
Teaching Assistants $35,620 46.3% Stretched
Retail Salespersons $35,630 46.3% Stretched
Fast Food & Counter Workers $33,290 49.6% Stretched
Salaries: BLS OES (New Jersey) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

7-year Fair Market Rent history for Cumberland County. Shows how HUD rental rates have changed over time.

Over the 6-year span HUD has tracked for Cumberland (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 43.2% overall, from $960 to $1,375. The increases have been fairly steady year to year, with no single jump exceeding 8.0% (FY 2021).

$900$1,000$1,100$1,200$1,300$1,400 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $1,375
Cumberland County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑7.8% $1,280 $1,375 $1,673
FY 2025 ↑4.9% $1,208 $1,275 $1,591
FY 2024 ↑6.4% $1,186 $1,216 $1,545
FY 2023 ↑7.7% $1,095 $1,143 $1,471
FY 2022 ↑2.3% $970 $1,061 $1,377
FY 2021 ↑8.0% $929 $1,037 $1,353
FY 2020 $853 $960 $1,259
Total change (6yr): +43.2%
Annualized: +6.2%/yr
1 BR: $960 → $1,375

Part of the Vineland, NJ Metro Area

Cumberland County is a central county of the Vineland, NJ metropolitan statistical area.

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Cumberland County, both outside New Jersey so the link neighborhoods are not the same-state geography lattice above. Axes stay disjoint: burden peers exclude the FMR peer set.

Similar 2-bedroom FMR

Nearest HUD 2BR Fair Market Rents outside NJ (FY2026).

Island County
WA · 2 BR $1,671/mo
Mono County
CA · 2 BR $1,675/mo
Fairbanks North Star Borough
AK · 2 BR $1,676/mo
Chatham County
GA · 2 BR $1,680/mo

Similar rent burden

Nearest 2BR FMR as a share of median household income (outside NJ).

Sumter County
GA · 31.2% of income · 2 BR $1,088/mo
Dallas County
TX · 31.3% of income · 2 BR $1,931/mo
Manatee County
FL · 31% of income · 2 BR $1,958/mo
Piute County
UT · 31% of income · 2 BR $1,153/mo

Nearby Counties in New Jersey

Largest counties by population in New Jersey

Showing the 8 largest of 20 other counties in New Jersey.

Bergen County
1 BR: $2,024/mo Pop: 953,243
Middlesex County
1 BR: $1,978/mo Pop: 860,147
Essex County
1 BR: $1,822/mo Pop: 853,374
Hudson County
1 BR: $2,458/mo Pop: 712,029
Monmouth County
1 BR: $1,889/mo Pop: 643,064
Ocean County
1 BR: $1,889/mo Pop: 638,691
Union County
1 BR: $1,822/mo Pop: 572,079
Camden County
1 BR: $1,520/mo Pop: 522,581
View all counties in New Jersey →

Frequently Asked Questions

What is the average rent in Cumberland County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Cumberland County is $1,375 per month. A 2-bedroom is $1,673 and a studio is $1,280.
How does Cumberland County rent compare to the national average? ▼
Rent in Cumberland County is 43% above the national average. A 1-bedroom here costs $1,375 compared to $959 nationally.
Where does Cumberland County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Cumberland County's 2-bedroom FMR of $1,673 ranks #346 most expensive among 3,145 HUD counties, placing it in the upper-rent quarter of HUD counties.
What income do I need to afford rent in Cumberland County? ▼
Based on the 30% affordability rule, you need an annual income of at least $55,000 ($4,583/month) to afford a 1-bedroom at Fair Market Rent in Cumberland County.
Is rent going up or down in Cumberland County? ▼
The 1-bedroom Fair Market Rent in Cumberland County increased by 7.8% from FY 2025 to FY 2026, going from $1,275 to $1,375.
Which jobs can afford rent in Cumberland County? ▼
Based on New Jersey BLS salary data and the 30% affordability rule, jobs like General and Operations Managers, Software Developers, Registered Nurses can afford a 1-bedroom at $1,375/mo. 9 of 15 common occupations are affordable here.
How much has rent changed in Cumberland County over time? ▼
The 1-bedroom Fair Market Rent in Cumberland County went from $960 in FY 2020 to $1,375 in FY 2026, a total change of +43.2% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Cumberland County? ▼
In Cumberland County, the FY 2026 FMR of $1,375/mo for a 1-bedroom sets the baseline that local housing authorities use for Section 8 payment standards.
What does Fair Market Rent mean for Cumberland County? ▼
For Cumberland County, it's the specific 40th-percentile rent HUD publishes each year ($1,375/mo for a 1-bedroom in FY 2026).

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the U.S. Census Bureau and HUD Fair Market Rents. Consult a qualified professional before making decisions based on this data.

All federal data sources used on this page
  • HUD Fair Market Rents (FMR) - county-level fair-market rent estimates by bedroom count. huduser.gov/datasets/fmr
  • HUD Income Limits - area median income for affordability calculations. huduser.gov/datasets/il
  • HUD Comprehensive Housing Affordability Strategy (CHAS) - rent burden and housing-cost distribution. huduser.gov/datasets/cp
  • U.S. Census Bureau ACS - county and metro housing characteristics + median rent. census.gov/programs-surveys/acs
  • BLS Consumer Price Index, Rent of Primary Residence - rent inflation by metro. bls.gov/cpi
  • IRS Migration Data (SOI) - interstate migration aggregates affecting county demand. irs.gov/statistics/migration
  • BLS Occupational Employment and Wage Statistics - state-level median wages by occupation, used for job affordability analysis. bls.gov/oes

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.