New Jersey - Local Standards: Housing and Utilities

Disclaimer: IRS Collection Financial Standards are intended for use in calculating repayment of delinquent taxes. These Standards are effective on March 25, 2019 for purposes of federal tax administration only. Expense information for use in bankruptcy calculations can be found on the website for the U.S. Trustee Program.

The housing and utilities standards are derived from U.S. Census Bureau, American Community Survey and Bureau of Labor Statistics data, and are provided by state down to the county level. The standard for a particular county and family size includes both housing and utilities allowed for a taxpayer's primary place of residence. Generally, the total number of persons allowed for determining family size should be the same as those allowed as exemptions on the taxpayer's most recent year income tax return.

Housing and utilities standards include mortgage or rent, property taxes, interest, insurance, maintenance, repairs, gas, electric, water, heating oil, garbage collection, residential telephone service, cell phone service, cable television, and Internet service. The tables include five categories for one, two, three, four, and five or more persons in a household.

The taxpayer is allowed the standard amount, or the amount actually spent on housing and utilities, whichever is less. If the amount claimed is more than the total allowed by the housing and utilities standards, the taxpayer must provide documentation to substantiate those expenses are necessary living expenses.

Maximum Monthly Allowance

County 2019 Published Housing and Utilities for a Family of 1 2019 Published Housing and Utilities for a Family of 2 2019 Published Housing and Utilities for a Family of 3 2019 Published Housing and Utilities for a Family of 4 2019 Published Housing and Utilities for a Family of 5

Atlantic County

1,899

2,230

2,350

2,620

2,663

Bergen County

2,738

3,216

3,389

3,779

3,840

Burlington County

1,981

2,327

2,452

2,734

2,778

Camden County

1,841

2,162

2,278

2,540

2,581

Cape May County

1,823

2,141

2,256

2,515

2,556

Cumberland County

1,594

1,872

1,973

2,200

2,235

Essex County

2,583

3,034

3,197

3,565

3,622

Gloucester County

1,947

2,287

2,410

2,687

2,731

Hudson County

2,515

2,954

3,113

3,471

3,527

Hunterdon County

2,453

2,881

3,036

3,385

3,440

Mercer County

2,185

2,566

2,704

3,015

3,064

Middlesex County

2,276

2,673

2,817

3,141

3,192

Monmouth County

2,439

2,865

3,019

3,366

3,421

Morris County

2,626

3,084

3,250

3,624

3,682

Ocean County

1,925

2,261

2,382

2,656

2,699

Passaic County

2,424

2,847

3,000

3,345

3,399

Salem County

1,741

2,045

2,155

2,403

2,442

Somerset County

2,514

2,952

3,111

3,469

3,525

Sussex County

2,127

2,498

2,632

2,935

2,982

Union County

2,477

2,909

3,065

3,417

3,473

Warren County

2,071

2,432

2,563

2,858

2,904


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