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Highest rent-to-income ratios in New Jersey

Cumberland County leads New Jersey at 38.49% of renter median income, on a median rent of $1,282 and a renter median household income of $39,965. Census median rent as a share of renter household income, beside the official HUD income limits for each county.

Highest rent-to-income
38.49%
Cumberland County
Median gross rent
$1,282
ACS B25064
Renter median income
$39,965
ACS B25119
State ratio
32.93%
State medians

Counties ranked by rent-to-income

1Cumberland County$1,282$38$39,965$5,78038.49%$48,750$78,000
2Atlantic County$1,376$35$43,528$2,38937.93%$54,400$87,050
3Passaic County$1,621$17$51,907$1,51337.47%$69,550$108,400
4Ocean County$1,755$30$58,423$2,80236.05%$70,300$108,550
5Essex County$1,531$19$51,273$1,33735.83%$69,200$106,800
6Monmouth County$1,827$30$62,592$3,37235.03%$70,300$108,550
7Gloucester County$1,531$56$53,789$3,43034.16%$61,350$98,150
8Camden County$1,402$20$49,624$2,00233.90%$61,350$98,150
9Salem County$1,253$51$45,698$6,89832.90%$61,350$98,150
10Union County$1,730$23$64,756$2,19032.06%$69,200$106,800
11Cape May County$1,360$96$50,917$6,07232.05%$57,900$92,650
12Mercer County$1,623$34$61,039$3,99731.91%$69,750$106,800
13Burlington County$1,745$30$65,698$3,82131.87%$61,350$98,150
14Hunterdon County$1,687$51$64,253$6,79331.51%$77,400$114,600
15Sussex County$1,585$67$61,606$4,70330.87%$69,200$106,800
16Bergen County$1,914$21$74,953$1,92330.64%$69,550$108,400
17Warren County$1,409$39$55,503$4,83930.46%$63,950$102,300
18Hudson County$1,894$17$75,879$2,09029.95%$73,700$117,900
19Somerset County$2,033$52$82,470$5,11329.58%$77,400$114,600
20Middlesex County$1,871$20$76,035$2,01929.53%$77,400$114,600
21Morris County$1,904$30$79,949$4,10928.58%$69,200$106,800

Method

Rent-to-income equals Census median gross rent (ACS table B25064) times 12, divided by renter median household income (ACS table B25119, renter-occupied column). The percent shown is that ratio rounded half up to the nearest 0.01 percentage point. HUD columns are the FY2026 4-person Very Low (50%) limit and the 4-person Low (80%) limit, plus the HUD area median family income on the same row. When every town row in a county publishes the same three figures, the page stores them once under the county name. When they differ, each town row is stored. A county is left out when median rent or renter income is missing or not positive. Rank is the unrounded ratio, then the county name.

Source: U.S. Census Bureau American Community Survey 2024 5-year, tables B25064 and B25119, as of 2024-07-01 (data years 2020-2024), retrieved 2026-10-09, https://data.census.gov/table/ACSDT5Y2024.B25064, and HUD FY2026 Section 8 income limits effective 2026-05-01, https://www.huduser.gov/portal/datasets/il.html.

Frequently asked questions

What is the highest rent-to-income ratio in New Jersey?

Cumberland County at 38.49%. Median gross rent is $1,282 (margin of error $38). Renter median household income is $39,965 (margin of error $5,780).

What is the lowest rent-to-income ratio in New Jersey?

Morris County at 28.58%. Median gross rent is $1,904 (margin of error $30). Renter median household income is $79,949 (margin of error $4,109).

What is the state-level rent-to-income ratio in New Jersey?

32.93%. Median gross rent is $1,720 (margin of error $7). Renter median household income is $62,674 (margin of error $718).