Renting · Section 8
Data from November 2026
Renting in Bergen County, New Jersey
Bergen County has a HUD fair market rent of $2,282 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,914 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $43.88 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $2,282
- a month, HUD, Fiscal year 2027
- About the same as in New Jersey
- Typical rent
- $1,914
- a month, Census, Average 2020–2024
- 11% more than in New Jersey
- Wage needed
- $43.88
- an hour, 2 bedrooms
- Or $91,280 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 51%
- spend 30% or more of income on rent
- 2% less than in New Jersey
Only here
Renting in Bergen County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Bergen County has the highest typical rent in its area: $1,914, more than any of its 6 neighboring counties; next is Morris County ($1,904).
-
At $1,914, Bergen County ranks 2nd among the 21 counties in New Jersey for the highest typical rent.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Bergen County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Bergen County was $2,895 a month in September 2026: 3% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,772 | $34.08 | $70,880 |
| 1 bedroom | $1,987 | $38.21 | $79,480 |
| 2 bedrooms | $2,282 | $43.88 | $91,280 |
| 3 bedrooms | $2,771 | $53.29 | $110,840 |
| 4 bedrooms | $3,497 | $67.25 | $139,880 |
HUD area: Bergen-Passaic, NJ HUD Metro FMR Area. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 66 ZIP codes in Bergen County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,440 in 07074 to $3,420 in 07670. 51 ZIP codes are above the county's fair market rent ($2,282).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 07010 | $1,820 | $2,040 | $2,340 | $2,840 | $3,590 |
|---|---|---|---|---|---|
| 07020 | $2,640 | $2,960 | $3,400 | $4,130 | $5,210 |
| 07022 | $1,650 | $1,850 | $2,120 | $2,570 | $3,250 |
| 07024 | $2,610 | $2,930 | $3,360 | $4,080 | $5,150 |
| 07026 | $1,660 | $1,860 | $2,140 | $2,600 | $3,280 |
| 07031 | $1,700 | $1,910 | $2,190 | $2,660 | $3,360 |
| 07057 | $1,550 | $1,730 | $1,990 | $2,420 | $3,050 |
| 07070 | $1,860 | $2,080 | $2,390 | $2,900 | $3,660 |
| 07071 | $1,770 | $1,990 | $2,280 | $2,770 | $3,490 |
| 07072 | $1,560 | $1,750 | $2,010 | $2,440 | $3,080 |
| 07073 | $1,860 | $2,080 | $2,390 | $2,900 | $3,660 |
| 07074 | $1,120 | $1,250 | $1,440 | $1,750 | $2,210 |
| 07075 | $1,840 | $2,060 | $2,370 | $2,880 | $3,630 |
| 07401 | $2,590 | $2,900 | $3,330 | $4,040 | $5,100 |
| 07407 | $2,050 | $2,300 | $2,640 | $3,210 | $4,050 |
| 07410 | $1,910 | $2,140 | $2,460 | $2,990 | $3,770 |
| 07417 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 |
| 07423 | $2,490 | $2,790 | $3,200 | $3,890 | $4,900 |
| 07430 | $2,240 | $2,510 | $2,880 | $3,500 | $4,410 |
| 07432 | $1,810 | $2,030 | $2,330 | $2,830 | $3,570 |
| 07436 | $1,620 | $1,840 | $2,110 | $2,570 | $3,280 |
| 07446 | $2,350 | $2,630 | $3,020 | $3,670 | $4,630 |
| 07450 | $2,450 | $2,740 | $3,150 | $3,830 | $4,830 |
| 07452 | $1,920 | $2,150 | $2,470 | $3,000 | $3,780 |
| 07458 | $2,340 | $2,600 | $2,970 | $3,620 | $4,500 |
| 07463 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 |
| 07481 | $2,410 | $2,700 | $3,100 | $3,760 | $4,750 |
| 07601 | $1,990 | $2,230 | $2,560 | $3,110 | $3,920 |
| 07603 | $1,860 | $2,090 | $2,400 | $2,910 | $3,680 |
| 07604 | $1,620 | $1,820 | $2,090 | $2,540 | $3,200 |
| 07605 | $2,070 | $2,330 | $2,670 | $3,240 | $4,090 |
| 07606 | $1,910 | $2,140 | $2,460 | $2,990 | $3,770 |
| 07607 | $1,960 | $2,190 | $2,520 | $3,060 | $3,860 |
| 07608 | $1,890 | $2,120 | $2,430 | $2,950 | $3,720 |
| 07620 | $2,490 | $2,790 | $3,200 | $3,890 | $4,910 |
| 07621 | $1,750 | $1,960 | $2,250 | $2,730 | $3,450 |
| 07624 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 |
| 07626 | $2,460 | $2,760 | $3,170 | $3,850 | $4,860 |
| 07627 | $2,540 | $2,840 | $3,270 | $3,960 | $5,000 |
| 07628 | $1,810 | $2,030 | $2,330 | $2,830 | $3,570 |
| 07630 | $1,930 | $2,170 | $2,500 | $3,050 | $3,880 |
| 07631 | $2,000 | $2,250 | $2,580 | $3,130 | $3,950 |
| 07632 | $2,350 | $2,630 | $3,020 | $3,670 | $4,630 |
| 07640 | $2,440 | $2,740 | $3,150 | $3,820 | $4,820 |
| 07641 | $2,160 | $2,420 | $2,780 | $3,380 | $4,260 |
| 07642 | $1,790 | $2,000 | $2,300 | $2,790 | $3,520 |
| 07643 | $1,760 | $1,980 | $2,270 | $2,760 | $3,480 |
| 07644 | $1,680 | $1,880 | $2,160 | $2,620 | $3,310 |
| 07645 | $2,100 | $2,360 | $2,710 | $3,290 | $4,150 |
| 07646 | $1,720 | $1,930 | $2,220 | $2,700 | $3,400 |
| 07647 | $1,920 | $2,150 | $2,470 | $3,000 | $3,780 |
| 07648 | $2,230 | $2,490 | $2,860 | $3,480 | $4,390 |
| 07649 | $2,140 | $2,390 | $2,750 | $3,340 | $4,210 |
| 07650 | $1,960 | $2,200 | $2,530 | $3,070 | $3,880 |
| 07652 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 |
| 07656 | $2,040 | $2,290 | $2,630 | $3,190 | $4,030 |
| 07657 | $1,950 | $2,190 | $2,510 | $3,050 | $3,850 |
| 07660 | $1,650 | $1,850 | $2,130 | $2,590 | $3,260 |
| 07661 | $1,840 | $2,060 | $2,370 | $2,880 | $3,630 |
| 07662 | $1,720 | $1,920 | $2,210 | $2,680 | $3,390 |
| 07663 | $2,010 | $2,260 | $2,590 | $3,150 | $3,970 |
| 07666 | $1,850 | $2,070 | $2,380 | $2,890 | $3,650 |
| 07670 | $2,660 | $2,980 | $3,420 | $4,150 | $5,240 |
| 07675 | $2,360 | $2,650 | $3,040 | $3,690 | $4,660 |
| 07676 | $2,240 | $2,520 | $2,890 | $3,510 | $4,430 |
| 07677 | $2,130 | $2,390 | $2,740 | $3,330 | $4,210 |
- 07010 $2,340$2,840
- 07020 $3,400$4,130
- 07022 $2,120$2,570
- 07024 $3,360$4,080
- 07026 $2,140$2,600
- 07031 $2,190$2,660
- 07057 $1,990$2,420
- 07070 $2,390$2,900
- 07071 $2,280$2,770
- 07072 $2,010$2,440
- 07073 $2,390$2,900
- 07074 $1,440$1,750
- 07075 $2,370$2,880
- 07401 $3,330$4,040
- 07407 $2,640$3,210
- 07410 $2,460$2,990
- 07417 $3,420$4,150
- 07423 $3,200$3,890
- 07430 $2,880$3,500
- 07432 $2,330$2,830
- 07436 $2,110$2,570
- 07446 $3,020$3,670
- 07450 $3,150$3,830
- 07452 $2,470$3,000
- 07458 $2,970$3,620
- 07463 $3,420$4,150
- 07481 $3,100$3,760
- 07601 $2,560$3,110
- 07603 $2,400$2,910
- 07604 $2,090$2,540
- 07605 $2,670$3,240
- 07606 $2,460$2,990
- 07607 $2,520$3,060
- 07608 $2,430$2,950
- 07620 $3,200$3,890
- 07621 $2,250$2,730
- 07624 $3,420$4,150
- 07626 $3,170$3,850
- 07627 $3,270$3,960
- 07628 $2,330$2,830
- 07630 $2,500$3,050
- 07631 $2,580$3,130
- 07632 $3,020$3,670
- 07640 $3,150$3,820
- 07641 $2,780$3,380
- 07642 $2,300$2,790
- 07643 $2,270$2,760
- 07644 $2,160$2,620
- 07645 $2,710$3,290
- 07646 $2,220$2,700
- 07647 $2,470$3,000
- 07648 $2,860$3,480
- 07649 $2,750$3,340
- 07650 $2,530$3,070
- 07652 $3,420$4,150
- 07656 $2,630$3,190
- 07657 $2,510$3,050
- 07660 $2,130$2,590
- 07661 $2,370$2,880
- 07662 $2,210$2,680
- 07663 $2,590$3,150
- 07666 $2,380$2,890
- 07670 $3,420$4,150
- 07675 $3,040$3,690
- 07676 $2,890$3,510
- 07677 $2,740$3,330
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Bergen County, 51% of renter households are in that position; in New Jersey, 52%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
51%
of renter households spend 30% or more of their income on rent.
123,102 households rent in Bergen County
- Spend half or more of their income 27%
- Spend 30% or more, but less than half 23%
- Spend less than 30% 49%
Compared with the state and the country
- Bergen 51%
- New Jersey 52%
- United States 51%
Low-income apartments
Low-income apartments in Bergen County
HUD lists 74 properties with homes for low-income households in Bergen County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 31
- HUD-assisted
- 39
- public housing
- 4
5,133 homes in all; 4,437 of them low-income, according to HUD.
- Mediterranean House HUD-assisted 505 North Ave, Fort Lee 07024 306 homes, 305 low-income · For older adults
- Greater Englewood Apartments Tax credit (LIHTC) 1 Rock Creek Ter, Englewood 270 low-income homes
- Malcolm Towers HUD-assisted 475 Main St, Fort Lee 07024 226 homes, 225 low-income · For older adults · (201) 461-6780
- De Vries Park Public housing 20 Rennie Pl, Lodi 07644 220 low-income homes · Run by Housing Authority of the Borough of Lodi · Average payment: $757 a month · Average wait: 29 months · (973) 470-3650
- Eastview Towers HUD-assisted 370 Fairview Ave, Fairview 07022 205 homes, 204 low-income · For older adults
- Westwood Senior Housing T/A Westwood House HUD-assisted 100 Madison Ave, Westwood 07675 183 homes, 182 low-income · For older adults
- Gen Pulaski CT Public housing 19 Daniel P Conte Ct, Garfield 07026 171 low-income homes · Run by Garfield Housing Authority · Average payment: $681 a month · Average wait: 228 months · (973) 340-4170
- Teaneck Senior Citizens HUD-assisted 5 Dogwood Ln, Teaneck 07666 157 low-income homes · For older adults
- Golden TWS Public housing 225 Midland Ave, Garfield 07026 150 homes, 149 low-income · Run by Garfield Housing Authority · Average payment: $536 a month · Average wait: 203 months · (973) 340-4170
- Lydecker Manor HUD-assisted 150 E Passaic St, Maywood 07607 136 homes, 135 low-income · For older adults
- Belmont GRDN Public housing 377 Midland Ave, Garfield 07026 135 low-income homes · Run by Garfield Housing Authority · Average payment: $532 a month · Average wait: 230 months · (973) 340-4170
- Brookside Gardens HUD-assisted 239 Murray Hill Terrace, Bergenfield 07621 135 homes, 134 low-income · For older adults · (201) 569-7454
- Ridgecrest HUD-assisted 7 Ridge Rd, Ridgewood 07450 130 homes, 129 low-income · For older adults · (201) 612-7298
- Westmont Station Tax credit (LIHTC) 1 Passaic St, Wood Ridge 104 low-income homes · In service since 2015
- Elsie Jay I & II HUD-assisted 13 Newman St, Hackensack 07601 104 homes, 103 low-income · For families
- Hillsdale House HUD-assisted 32 Piermont Ave, Hillsdale 07642 100 homes, 99 low-income · For older adults
- The Woodlands at Ramsey HUD-assisted 141 Prince St, Ramsey 07446 100 homes, 99 low-income · For older adults
- Woodlands at Ramsey Tax credit (LIHTC) 141 Prince St, Ramsey 99 low-income homes · In service since 2005
- Martin Luther King Gardens HUD-assisted 76 Dubois Ct, Englewood 07631 100 homes, 90 low-income · For families · (201) 871-1270
- Fair Lawn Senior Housing Tax credit (LIHTC) 18-25 River Rd, Fair Lawn 84 low-income homes · In service since 2019
- Leonia Senior Citizens HUD-assisted 270 Glenwood Ave, Leonia 07605 77 low-income homes · For older adults
- Paramus Senior Citizens Tax credit (LIHTC) 200 Garden State Plaza Blvd, Paramus 64 low-income homes · In service since 1997 · For older adults
- Westmoor Gardens HUD-assisted 2 Slocum Ave, Englewood 07631 64 low-income homes · For families · (201) 871-3451
- Teaneck Senior Housing Tax credit (LIHTC) 60 Bergen Ave, Teaneck 62 homes, 61 low-income · In service since 2016
- Teaneck Senior Housing HUD-assisted 60 Bergen Ave, Teaneck 07666 61 low-income homes · For older adults
- Liberty Place Apartments Tax credit (LIHTC) 1 Liberty Pl, Palisades Park 60 homes, 59 low-income · In service since 2003
- Rutherford Senior Housing HUD-assisted 67 Kip Ave, Rutherford 07070 56 homes, 55 low-income · For families
- River Vale Senior Tax credit (LIHTC) 430 Cedar Ln, River Vale 50 homes, 49 low-income · In service since 2016
- River Vale Senior Residence HUD-assisted 426 Cedar Ln, River Vale 07675 50 homes, 49 low-income · For older adults
- St. Marys Senior Residence HUD-assisted 258 Washington Ave, Dumont 07628 49 low-income homes · For older adults
- Paramus Affordable Housing Tax credit (LIHTC) 1 Ann Ct, Paramus 46 low-income homes · In service since 2005
- Dumont Senior Housing Tax credit (LIHTC) 94 Schraalenburgh Way, Dumont 41 low-income homes · In service since 1995 · For older adults
- Franklin Lakes Supportive Housing Tax credit (LIHTC) Mccoy Road, Franklin Lakes 40 low-income homes
- Ridgefield Park Senior Citizens Housing T/A Ryan HUD-assisted 278 Main St, Ridgefield Park 07660 40 homes, 39 low-income · For older adults · (609) 989-8500
- Englewood II HUD-assisted 68 William St, Englewood 07631 40 homes, 35 low-income · For families
- Garfield Senior Housing Program Tax credit (LIHTC) 15 Commerce St, Garfield 36 homes, 35 low-income · In service since 2012 · For older adults
- Lehmann Gardens HUD-assisted 12 Sulak Ln, Park Ridge 07656 36 homes, 35 low-income · For people with disabilities
- Closter Family Housing Tax credit (LIHTC) 511 Durie Ave, Closter 35 low-income homes
- Tenafly Senior Citizens Housing HUD-assisted 355 Tenafly Rd, Tenafly 07670 35 homes, 34 low-income · For older adults
- Leonia Retirement Housing II Tax credit (LIHTC) 270 Glenwood Ave, Leonia 33 low-income homes · In service since 2010
- Kentshire Tax credit (LIHTC) 175 Paterson Ave, Midland Park 159 homes, 32 low-income · In service since 2004
- Pindle East HUD-assisted 270 Pindle Ave, Englewood 07631 33 homes, 32 low-income · For families
- Edgewater Senior Citizen Housing Tax credit (LIHTC) 27 Dempsey Ave, Edgewater 31 low-income homes · In service since 2012 · For older adults
- Franklin Street Villas Tax credit (LIHTC) 187 Walnut St, Northvale 30 homes, 29 low-income · In service since 2016
- Leonia Retirement Housing II HUD-assisted 270 Glenwood Ave, Leonia 07605 28 low-income homes · For older adults
- Montvale Commons Tax credit (LIHTC) Nottingham Court, Montvale 28 low-income homes · In service since 2013
- Grove Street Senior Housing Tax credit (LIHTC) 43 Grove St, South Hackensack 25 low-income homes · In service since 2010
- Upper Saddle River Supportive Housing Tax credit (LIHTC) 570 Route 17 North, Upper Saddle River Boro 70 homes, 24 low-income
- Winterburn Gardens Tax credit (LIHTC) 15 Winterburn Pl, Edgewater 21 low-income homes · In service since 2016
- Cresskill Mews Tax credit (LIHTC) 92 Knickerbocker Rd, Cresskill 75 homes, 18 low-income · In service since 2002
- Edgewater Place Apts. HUD-assisted 85 Edgewater Pl, Edgewater 07020 19 homes, 17 low-income · For families
- Rivervale Apartments HUD-assisted 81 Rivervale Rd, River Vale 07675 16 low-income homes · For people with disabilities
- West Bergen Mental Healthcare Inc. HUD-assisted 234 S Broad St, Ridgewood 07450 10 low-income homes · For people with disabilities
- Closter Independent Living HUD-assisted 19 Van Sciver St, Closter 07624 8 low-income homes · For people with disabilities
- Paramus Group Home HUD-assisted 360 E Ridgewood Ave, Paramus 07652 8 homes, 7 low-income · For people with disabilities
- West Bergen Housing HUD-assisted 36 Erie Ave, Midland Park 07432 8 homes, 7 low-income · For people with disabilities
- Undercliff Apartments HUD-assisted 377 Undercliff Ave, Edgewater 07020 7 low-income homes · For families
- Haworth Group Home HUD-assisted 10 Grant St, Haworth 07641 7 homes, 6 low-income · For people with disabilities
- Glen Rock HUD-assisted 641 Lincoln Ave, Glen Rock 07452 6 low-income homes · For people with disabilities
- Hillsdale Group Home HUD-assisted 42 Magnolia Ave, Hillsdale 07642 6 low-income homes · For people with disabilities
- Maywood Group Home HUD-assisted 182 Prospect Ave, Maywood 07607 6 low-income homes · For people with disabilities
- Advance Supportive Housing II HUD-assisted 94 Virginia Ave, Dumont 07628 5 low-income homes · For people with disabilities
- Advance Supportive Housing Pro HUD-assisted 202 Terhune Ave, Lodi 07644 5 low-income homes · For people with disabilities
- Ridgefield Park Consumer Home HUD-assisted 40 Hille Pl, Ridgefield Park 07660 5 low-income homes · For people with disabilities
- Harrington Avenue Consumer Hom HUD-assisted 312 Harrington Ave, Closter 07624 6 homes, 3 low-income · For people with disabilities
- The Kentshire #642 Tax credit (LIHTC) 187 Paterson Ave, Midland Park 07432 148 homes · In service since 2004
- Paramus SR. Citizens Tax credit (LIHTC) 200 Garden State Plaza Blvd, Paramus 07652 64 homes · In service since 1997
- Liberty Place #619 Tax credit (LIHTC) 101 Cedar St, Fort Lee 07024 60 homes · In service since 2003
- Garfield Senior Housing #471 Tax credit (LIHTC) 15 Commerce St, Garfield 07026 36 homes · In service since 2012
- Leonia Retirement Housing II #0844 Tax credit (LIHTC) 270 Glenwood Ave, Leonia 07605 33 homes · In service since 2010
- Northvale Senior Residence Tax credit (LIHTC) 187 Walnut St, Northvale 30 homes
- Grove Gardens Tax credit (LIHTC) 43 Grove St, South Hackensack 25 homes · In service since 2010
- Grove Gardens #749 Tax credit (LIHTC) 41 Grove St, South Hackensack 07606 25 homes · In service since 2010
- 371 Bergen BLVD Tax credit (LIHTC) 371 Bergen Blvd, Fairview In service since 1995
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Bergen County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 7 agencies serve in Bergen County. Here is what the rules say:
The rules, with their source
-
You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
-
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $29,250 | $48,700 | $75,900 |
| 2 people | $33,400 | $55,650 | $86,750 |
| 3 people | $37,600 | $62,600 | $97,600 |
| 4 people | $41,750 | $69,550 | $108,400 |
| 5 people | $45,100 | $75,150 | $117,100 |
| 6 people | $48,450 | $80,700 | $125,750 |
| 7 people | $51,800 | $86,250 | $134,450 |
| 8 people | $55,720 | $91,850 | $143,100 |
Area median income: $139,100. HUD income limits by family size, Fiscal year 2026. Area: Bergen-Passaic, NJ HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,595 – $1,949
- 1 bedroom $1,788 – $2,186
- 2 bedrooms $2,054 – $2,510
- 3 bedrooms $2,494 – $3,048
- 4 bedrooms $3,147 – $3,847
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Housing Authority of Bergen County Section 8 vouchers · 4,155 vouchers (201) 336-7600 Housing Authority of Bergen County: info@habcnj.org
- Englewood Housing Authority Public housing and Section 8 vouchers · 889 vouchers (201) 871-3451 Englewood Housing Authority: DSenande@ehahousing.org
- Cliffside Park Housing Authority Section 8 vouchers · 706 vouchers (201) 941-0655 Cliffside Park Housing Authority: jcapano@cp-ha.org
- Housing Authority of the Borough of Lodi Public housing and Section 8 vouchers · 477 vouchers · 220 public housing units (973) 470-3650 Housing Authority of the Borough of Lodi: thomasd@lodihousing.org
- Edgewater Housing Authority Public housing and Section 8 vouchers · 693 vouchers (201) 943-6000 Edgewater Housing Authority: jcapano@edgewaterha.org
- Fort Lee Housing Authority Public housing and Section 8 vouchers · 536 vouchers (201) 947-7400
- Garfield Housing Authority Public housing · 455 public housing units (973) 340-4170
Housing agencies in New Jersey Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in New Jersey
What New Jersey law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- How much can they charge for a deposit?
- Up to 1.5 months of rent
- N.J.S.A. 46:8-21.2
- When must they return my deposit?
- 30 days
- N.J.S.A. 46:8-21.1
- Only a court order can remove youN.J.S.A. 2A:39-1
- Protection from retaliationN.J.S.A. 2A:42-10.10
Help
Where to get help with rent in Bergen County
This HUD-approved agency has an office in Bergen County. They counsel for free or at low cost.
-
Fair Housing Council of Northern New Jersey
131 Main St Ste 140, Hackensack
- Mortgage delinquency and default
- Fair housing pre-purchase workshops
- and 2 more
Rental assistance programs
The ones that serve in Bergen County or the whole state, with what each page says about being open.
-
Low Income Home Energy Assistance Program (LIHEAP): Home Energy Assistance
Run by New Jersey Department of Community Affairs (DCA)
New Jersey help for very low-income residents with heating and cooling bills, and with past-due electric and gas bills
Open, per the source
See details -
Omnibus Eviction and Homelessness Prevention (OEHP) program
Run by New Jersey Department of Community Affairs (DCA), Office of Eviction Prevention
New Jersey program that, through organizations in all 21 counties, helps renters with back rent, moving and free legal advice when facing eviction
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Bergen County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in New Jersey, the average home bill was $128 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$4,564
What you need before you get the keys.
What adds up
- First month
- $2,282
- Security deposit
- $2,282
- Total
- $4,564
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Bergen County?
According to HUD (Fiscal year 2027): Studio: $1,772; 1 bedroom: $1,987; 2 bedrooms: $2,282; 3 bedrooms: $2,771; 4 bedrooms: $3,497. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Bergen County?
Paying the 2-bedroom fair market rent ($2,282) without spending more than 30% of income takes $43.88 an hour full time, or $91,280 a year.
Who qualifies for Section 8 in Bergen County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $69,550 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Bergen County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $2,054 and $2,510 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Bergen County?
For 2 bedrooms they run from $1,440 in 07074 to $3,420 in 07670. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Bergen County?
HUD lists 74 properties with homes for low-income households in Bergen County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Bergen County?
HUD counts rent as a burden when it reaches 30% of income or more. In Bergen County, 51% of renter households are in that position; in New Jersey, 52%, and nationwide, 51% (Average 2020–2024, Census).