Metro FMR · CBSA 35620 · HUD FY2026

Bergen-Passaic, NJ HUD Metro FMR Area Fair Market Rent

HUD's FY2026 Fair Market Rent for the Bergen-Passaic, NJ HUD Metro FMR Area metro area - 111% above the US average.

$2,024
1-bedroom FMR
$2,324
2-bedroom FMR
+12.0%
YoY change
+111%
vs US avg

The verdict

A 2-bedroom in the Bergen-Passaic, NJ HUD Metro FMR Area area rents at $2,324 under HUD's FY2026 Fair Market Rent - 98% above the US average, higher than 95% of the 387 metro areas HUD tracks.

#19
priciest of 387 US metros (2BR)
+98%
vs the US 2-bedroom average
$92,960
income to afford it (30% rule)
+12.0%
1BR change, FY2025→2026

Affordability & income context

Bergen-Passaic: #19 priciest nationally · income context

At the metro's ACS median household income of $97,334, this 1-bedroom FMR takes 25.0% of annual income. It remains below the 30% affordability guide, but is a material part of a median-income household's budget.

The 2-bedroom figure places Bergen-Passaic in the highest-rent tenth of HUD metro areas, using the same FY2026 HUD schedule as the national comparison.

With 19,849,599 residents, this is a large metro benchmark rather than a single-neighborhood rent quote.

That budget pressure matches a top-decile 2-bedroom FMR nationally (#19 of 387 HUD-tracked metros).

The studio-through-two-bedroom FMR bands stay below 30% of recorded median income here; the larger-bedroom rows show where that headroom narrows.

Observed renter burden: 49.2% of the 3,572,526 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2026 HUD FMR benchmark.

ACS median household income lags the FY2026 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$1,778/mo

21.9% of median income

1 Bedroom

$2,024/mo

25.0% of median income

2 Bedroom

$2,324/mo

28.7% of median income

3 Bedroom

$2,835/mo

35.0% of median income

4 Bedroom

$3,618/mo

44.6% of median income

FMR filing desk

CBSA CBSA·35620

Bergen-Passaic: $2,024/mo 1BR · #19 of 387 metros (2BR) · FY2026 CBSA 35620

  • CBSA 35620
  • 1BR-FMR $2,024
  • 2BR-FMR $2,324
  • RANK-UPPER #19
  • YOY-SURGE +12.0%
  • VSUS-HIGH +111%
  • IN-ST-HIGH #5 NJ
  • INC-MID 25%
  • POP-MEGA 19.8M
  • PHOTO-NEAR Atlantic City-Hamm
  • VOUCH-90-110 $1,822–$2,226
  • FY-2026 FY2026

Photo-finish peer: Atlantic City-Hammonton ($487 1BR gap)

Read with: Understanding rent burden

Where Bergen-Passaic sits among every US metro

2-bedroom Fair Market Rent vs. all 387 HUD metro areas

$2,324 Top 5% higher than 95% of 387 metro areas

$800–$1,000: 28 metro areas (7%). Below this entry. $1,000–$1,200: 114 metro areas (29%). Below this entry. $1,200–$1,400: 95 metro areas (25%). Below this entry. $1,400–$1,600: 52 metro areas (13%). Below this entry. $1,600–$1,800: 41 metro areas (11%). Below this entry. $1,800–$2,000: 26 metro areas (7%). Below this entry. $2,000–$2,200: 9 metro areas (2%). Below this entry. $2,200–$2,400: 5 metro areas (1%). This entry sits in this band. $2,400–$2,600: 5 metro areas (1%). Above this entry. $2,600–$2,800: 5 metro areas (1%). Above this entry. $2,800–$3,000: 4 metro areas (1%). Above this entry. $3,000–$3,200: 2 metro areas (1%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. 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

CBSA 35620

Counties inside Bergen-Passaic

HUD publishes one metro-wide FMR for CBSA 35620, but county-level schedules inside Bergen-Passaic still diverge: 12 counties range from $2,205 (2BR in Essex) to $2,910 (Kings), a 32% spread. Kings is the largest county by population.

Kings County 2BR $2,910 · 2.7M Queens County 2BR $2,910 · 2.4M New York County 2BR $2,910 · 1.6M Suffolk County 2BR $2,747 · 1.5M Bronx County 2BR $2,910 · 1.4M Nassau County 2BR $2,747 · 1.4M

Showing the 6 largest of 12 HUD counties in this CBSA. County pages carry filing-level FMR detail.

Bergen-Passaic studio–4BR schedule (FY2026) · 2BR #19 nationally

1BR $2,024 (+111% vs US, +12.0% YoY). Each bedroom band below is FY2026 HUD FMR for CBSA 35620.

Studio
$1,778
US avg $893
↑14.3% YoY +99% vs US
1 Bedroom
$2,024
US avg $959
↑12.0% YoY +111% vs US
2 Bedroom
$2,324
US avg $1,175
↑12.2% YoY +98% vs US
3 Bedroom
$2,835
US avg $1,525
↑11.2% YoY +86% vs US
4 Bedroom
$3,618
US avg $1,756
↑12.2% YoY +106% vs US

How Bergen-Passaic compares on 1-bedroom rent

1-bedroom FMR vs other NJ metro areas

1BR FMR / mo

What this shows Bergen-Passaic highlighted among 4 peers · FY2026 1BR HUD FMR.

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

Bergen-Passaic: out-of-state FMR & burden peers

PlainRent pairs Bergen-Passaic with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside NJ (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside NJ

Nearest schedules by 2BR delta (FY2026).

Fort Lauderdale
FL · 2 BR $2,333/mo
Sacramento--Roseville--Arden-Arcade
CA · 2 BR $2,255/mo
Washington-Arlington-Alexandria
DC · 2 BR $2,246/mo
Riverside-San Bernardino-Ontario
CA · 2 BR $2,201/mo

Burden % · outside NJ

Nearest 2BR FMR ÷ ACS median income (FY2026).

Ithaca
NY · 28.8% of income · 2 BR $1,753/mo
Chico
CA · 28.4% of income · 2 BR $1,625/mo
Broadwater County
MT · 28.3% of income · 2 BR $1,748/mo
El Centro
CA · 29% of income · 2 BR $1,362/mo

Bergen-Passaic: quick answers

What is the average rent in the Bergen-Passaic, NJ HUD Metro FMR Area metro area? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Bergen-Passaic, NJ HUD Metro FMR Area is $2,024 per month. A 2-bedroom is $2,324 and a studio is $1,778.
How does Bergen-Passaic, NJ HUD Metro FMR Area rent compare to the national average? ▼
Rent in the Bergen-Passaic, NJ HUD Metro FMR Area metro area is 111% above the national average. A 1-bedroom costs $2,024 compared to $959 nationally.
Where does Bergen-Passaic rank nationally for Fair Market Rent? ▼
HUD's FY 2026 2-bedroom FMR of $2,324 ranks #19 most expensive among 387 US metro areas (the highest-rent tenth of HUD metro areas).
Do county rents differ inside the Bergen-Passaic metro area? ▼
Yes. HUD assigns one metro-wide FMR for CBSA 35620, but 12 constituent counties publish their own county FMR schedules spanning $2,205–$2,910 for a 2-bedroom (32% spread). Use county pages for filing at the county level.

Compare Bergen-Passaic vs Atlantic City-Hammonton →

Data as of FY 2026. Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2026 HUD FMR $2,024/mo · 1BR NJ

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.