Renting · Section 8
Data from November 2026
Renting in Warren County, New Jersey
Warren County has a HUD fair market rent of $2,021 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,409 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $38.87 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $2,021
- a month, HUD, Fiscal year 2027
- 11% less than in New Jersey
- Typical rent
- $1,409
- a month, Census, Average 2020–2024
- 18% less than in New Jersey
- Wage needed
- $38.87
- an hour, 2 bedrooms
- Or $80,840 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 48%
- spend 30% or more of income on rent
- 8% less than in New Jersey
Only here
Renting in Warren County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Warren County has the lowest typical rent in its area: $1,409, less than any of its 6 neighboring counties; next is Sussex County ($1,585).
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 Warren 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 Warren County was $2,012 a month in September 2026: 3.7% 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 | $1,614 | $31.04 | $64,560 |
| 1 bedroom | $1,624 | $31.23 | $64,960 |
| 2 bedrooms | $2,021 | $38.87 | $80,840 |
| 3 bedrooms | $2,478 | $47.65 | $99,120 |
| 4 bedrooms | $2,937 | $56.48 | $117,480 |
HUD area: Warren County, 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 23 ZIP codes in Warren County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,710 in 07823 to $2,730 in 07838. 19 ZIP codes are above the county's fair market rent ($2,021).
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)
| 07820 | Warren County, NJ | $1,610 | $1,620 | $2,020 | $2,480 | $2,940 |
|---|---|---|---|---|---|---|
| 07823 | Warren County, NJ | $1,370 | $1,380 | $1,710 | $2,170 | $2,520 |
| 07825 | Newark, NJ | $1,880 | $1,900 | $2,360 | $2,890 | $3,430 |
| 07825 | Warren County, NJ | $1,880 | $1,900 | $2,360 | $2,890 | $3,430 |
| 07831 | Middlesex-Somerset-Hunterdon, NJ | $1,630 | $1,790 | $2,240 | $2,690 | $2,970 |
| 07831 | Warren County, NJ | $1,630 | $1,790 | $2,240 | $2,690 | $2,970 |
| 07832 | Newark, NJ | $2,010 | $2,030 | $2,520 | $3,090 | $3,660 |
| 07832 | Warren County, NJ | $2,010 | $2,030 | $2,520 | $3,090 | $3,660 |
| 07833 | Warren County, NJ | $1,640 | $1,720 | $2,120 | $2,610 | $3,020 |
| 07838 | Warren County, NJ | $2,180 | $2,190 | $2,730 | $3,350 | $3,970 |
| 07840 | Newark, NJ | $1,620 | $1,680 | $2,070 | $2,550 | $3,000 |
| 07840 | Warren County, NJ | $1,620 | $1,680 | $2,070 | $2,550 | $3,000 |
| 07844 | Warren County, NJ | $1,460 | $1,470 | $1,830 | $2,240 | $2,660 |
| 07846 | Warren County, NJ | $1,820 | $1,860 | $2,300 | $2,830 | $3,340 |
| 07863 | Warren County, NJ | $1,790 | $1,800 | $2,240 | $2,750 | $3,260 |
| 07865 | Middlesex-Somerset-Hunterdon, NJ | $1,980 | $2,070 | $2,550 | $3,210 | $3,690 |
| 07865 | Newark, NJ | $1,980 | $2,070 | $2,550 | $3,210 | $3,690 |
| 07865 | Warren County, NJ | $1,980 | $2,070 | $2,550 | $3,210 | $3,690 |
| 07880 | Warren County, NJ | $1,910 | $1,950 | $2,410 | $2,970 | $3,510 |
| 07882 | Middlesex-Somerset-Hunterdon, NJ | $1,630 | $1,790 | $2,240 | $2,690 | $2,970 |
| 07882 | Warren County, NJ | $1,630 | $1,790 | $2,240 | $2,690 | $2,970 |
| 08865 | Warren County, NJ | $1,570 | $1,580 | $1,960 | $2,400 | $2,850 |
| 08886 | Warren County, NJ | $2,100 | $2,110 | $2,630 | $3,220 | $3,820 |
- 07820 · Warren County, NJ $2,020$2,480
- 07823 · Warren County, NJ $1,710$2,170
- 07825 · Newark, NJ $2,360$2,890
- 07825 · Warren County, NJ $2,360$2,890
- 07831 · Middlesex-Somerset-Hunterdon, NJ $2,240$2,690
- 07831 · Warren County, NJ $2,240$2,690
- 07832 · Newark, NJ $2,520$3,090
- 07832 · Warren County, NJ $2,520$3,090
- 07833 · Warren County, NJ $2,120$2,610
- 07838 · Warren County, NJ $2,730$3,350
- 07840 · Newark, NJ $2,070$2,550
- 07840 · Warren County, NJ $2,070$2,550
- 07844 · Warren County, NJ $1,830$2,240
- 07846 · Warren County, NJ $2,300$2,830
- 07863 · Warren County, NJ $2,240$2,750
- 07865 · Middlesex-Somerset-Hunterdon, NJ $2,550$3,210
- 07865 · Newark, NJ $2,550$3,210
- 07865 · Warren County, NJ $2,550$3,210
- 07880 · Warren County, NJ $2,410$2,970
- 07882 · Middlesex-Somerset-Hunterdon, NJ $2,240$2,690
- 07882 · Warren County, NJ $2,240$2,690
- 08865 · Warren County, NJ $1,960$2,400
- 08886 · Warren County, NJ $2,630$3,220
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 Warren County, 48% 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.
48%
of renter households spend 30% or more of their income on rent.
11,319 households rent in Warren County
- Spend half or more of their income 28%
- Spend 30% or more, but less than half 20%
- Spend less than 30% 52%
Compared with the state and the country
- Warren 48%
- New Jersey 52%
- United States 51%
Low-income apartments
Low-income apartments in Warren County
HUD lists 14 properties with homes for low-income households in Warren 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)
- 2
- HUD-assisted
- 10
- public housing
- 2
867 homes in all; 791 of them low-income, according to HUD.
- Heckman Terrace Public housing 427 Watson Pl, Phillipsburg 08865 372 low-income homes · Run by Phillipsburg Housing Authority · Average payment: $646 a month · Average wait: 4 months · (908) 859-0122
- Heckman House Public housing 525 Fisher Ave, Phillipsburg 08865 208 homes, 206 low-income · Run by Phillipsburg Housing Authority · Average payment: $458 a month · Average wait: 17 months · (908) 859-0122
- Clymer Village HUD-assisted 211 Red School Ln, Phillipsburg 08865 82 homes, 81 low-income · For older adults
- Hackettstown Senior Citizens HUD-assisted 681 Willow Grove St, Hackettstown 07840 81 homes, 80 low-income · For older adults
- Don Ver Apartments Tax credit (LIHTC) 169 S Main St, Phillipsburg 10 low-income homes · In service since 2005
- Washington Supported Living Apartments HUD-assisted 17 Gardners Ct, Washington 07882 8 low-income homes · For people with disabilities
- Alpha Group Home HUD-assisted 429 Pohatcong St, Alpha 08865 8 homes, 7 low-income · For people with disabilities · (908) 454-9712
- Alternatives Homes 2004 HUD-assisted 20 James Ave, Phillipsburg 08865 7 low-income homes · For people with disabilities
- Columbia Supportive Living HUD-assisted 46 Koeck Rd, Columbia 07832 6 low-income homes · For people with disabilities
- Willows at Greenwich HUD-assisted 401 Dumont Rd, Stewartsville 08886 66 homes, 5 low-income · (856) 662-1730
- Community Hope v Consumer Home HUD-assisted 14 Park View Ave, Washington 07882 3 low-income homes · For people with disabilities
- Lopatcong Consumer Home HUD-assisted 150 S 7th St, Lopatcong 08865 3 low-income homes · For people with disabilities
- Pohatcong Consumer Home HUD-assisted 415 Liggett Blvd, Phillipsburg 08865 3 low-income homes · For people with disabilities
- Don Ver Apartments #707 Tax credit (LIHTC) 169 S Main St, Phillipsburg 08865 10 homes · In service since 2005
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 Warren County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Warren County. Here is what the rules say:
The rules, with their source
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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
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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)
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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)
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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)
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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
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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 | $26,850 | $44,800 | $71,650 |
| 2 people | $30,700 | $51,200 | $81,850 |
| 3 people | $34,550 | $57,600 | $92,100 |
| 4 people | $38,350 | $63,950 | $102,300 |
| 5 people | $41,450 | $69,100 | $110,500 |
| 6 people | $44,500 | $74,200 | $118,700 |
| 7 people | $50,040 | $79,300 | $126,900 |
| 8 people | $55,720 | $84,450 | $135,050 |
Area median income: $127,900. HUD income limits by family size, Fiscal year 2026. Area: Warren County, NJ HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,453 – $1,775
- 1 bedroom $1,462 – $1,786
- 2 bedrooms $1,819 – $2,223
- 3 bedrooms $2,230 – $2,726
- 4 bedrooms $2,643 – $3,231
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
- Phillipsburg Housing Authority Public housing and Section 8 vouchers · 215 vouchers · 578 public housing units (908) 859-0122 Phillipsburg Housing Authority: cupdegrove@phillipsburgha.com
- Warren County Housing Authority Section 8 vouchers · 671 vouchers (908) 475-3989 Warren County Housing Authority: mscurato@warrenhousing.com
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 Warren County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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Housing Partnership for Morris County
2 E Blackwell St Ste 12, Dover · 24 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 7 more
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Central Jersey Housing Resource Center, Inc.
92 E Main St, Somerville · 29 miles away · Spanish
- Mortgage delinquency and default
- Budget and credit workshops
- and 7 more
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Credit.org - New Jersey Branch
101 Eisenhower Pkwy, Roseland · 36 miles away · Spanish
Also serves in other languages.
- Mortgage delinquency and default
- Budget and credit workshops
- and 4 more
Rental assistance programs
The ones that serve in Warren County or the whole state, with what each page says about being open.
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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 Warren 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
$4,042
What you need before you get the keys.
What adds up
- First month
- $2,021
- Security deposit
- $2,021
- Total
- $4,042
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 Warren County?
According to HUD (Fiscal year 2027): Studio: $1,614; 1 bedroom: $1,624; 2 bedrooms: $2,021; 3 bedrooms: $2,478; 4 bedrooms: $2,937. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Warren County?
Paying the 2-bedroom fair market rent ($2,021) without spending more than 30% of income takes $38.87 an hour full time, or $80,840 a year.
Who qualifies for Section 8 in Warren County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $63,950 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 Warren 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 $1,819 and $2,223 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Warren County?
For 2 bedrooms they run from $1,710 in 07823 to $2,730 in 07838. 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 Warren County?
HUD lists 14 properties with homes for low-income households in Warren 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 Warren County?
HUD counts rent as a burden when it reaches 30% of income or more. In Warren County, 48% of renter households are in that position; in New Jersey, 52%, and nationwide, 51% (Average 2020–2024, Census).