Rental Benchmark Overview
2-Bedroom Benchmark Rent
$2,324$27,888 per year · HUD Fiscal Year 2026Fair market rent & 30% rule in Bergen County, NJ
Official HUD Fair Market Rents evaluated against local household income benchmarks.
Fair Market Rent Schedule & Wage Requirements: Bergen County, NJ
Calculations assume standard housing affordability guidelines where shelter costs consume no more than 30% of gross income, based on full-time employment of 2,080 annual working hours.
| Bedroom Type | Monthly Rent | Annual Rent | Min. Annual Income | Hourly Wage (40h/wk) |
|---|---|---|---|---|
| Studio / Efficiency | $1,778 | $21,336 | $71,120 | $34.19/hr |
| 1-Bedroom Apartment | $2,024 | $24,288 | $80,960 | $38.92/hr |
| 2-Bedroom ApartmentStandard Benchmark | $2,324 | $27,888 | $92,960 | $44.69/hr |
| 3-Bedroom Home | $2,835 | $34,020 | $113,400 | $54.52/hr |
| 4-Bedroom Home | $3,618 | $43,416 | $144,720 | $69.58/hr |
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Frequently Asked Questions About Rent in Bergen County, NJ
What is the Fair Market Rent for a 2-bedroom in Bergen County, NJ?
For Fiscal Year 2026, the official HUD Fair Market Rent for a 2-bedroom home in Bergen County, NJ is $2,324 per month ($27,888 per year).
What hourly wage is needed to afford rent in Bergen County, NJ?
To comfortably afford a 2-bedroom apartment at $2,324/month without exceeding 30% of income on rent, a full-time worker (40 hours/week, 52 weeks/year) must earn at least $44.69 per hour ($92,960/year).
What are the HUD Fair Market Rents by bedroom count in Bergen County, NJ?
Official 2026 HUD rents in Bergen County, NJ are: Studio: $1,778/mo, 1-Bedroom: $2,024/mo, 2-Bedroom: $2,324/mo, 3-Bedroom: $2,835/mo, and 4-Bedroom: $3,618/mo.
How do HUD Fair Market Rents compare to local incomes in Bergen County, NJ?
At the local Census ACS median household income of $124,884/year ($10,407/month), the benchmark 2-bedroom Fair Market Rent represents 22.3% of monthly income.
How is the 30% housing affordability standard calculated in Bergen County, NJ?
The federal 30% rule states that housing costs should not exceed 30% of gross household income. For a 2-bedroom rent of $2,324/month, the required minimum annual gross income is calculated as ($2,324 × 12) ÷ 0.30 = $92,960 per year.