96707
ZIPSAFMR
Honolulu County, HI
BRFMR
Eff. Rent
0 BR$2,300$2,500
1 BR$2,470$2,650
2 BR$3,240$3,560
3 BR$4,510$3,960
4 BR$5,440$4,380
5 BR$6,256
6 BR$7,194
7 BR$8,274
8 BR$9,515

Purchase Price Calculator

Maximum purchase price
$467,098

Cost breakdown

+Likely effective rent$3,560
HUD FMR$3,240
Market rent$3,800
Est. payment standard (110%)Used$3,560
Estimated payment standard is $3,560 (110% of FMR).
-Principal and interest-$2,362
Loan amount$373,678
Down payment$93,420
Rate6.50%
Term30 years
-Operating costs-$998
Property taxes-$467
Insurance-$175
Utilities$0
HOA$0
Management-$356
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,503(60.5% ROI)
Projected value
$503,014
Current value$467,098
Return breakdown
Property appreciation+$35,915
Loan principal paid down+$13,388
Rental cash flow+$7,200
5-year hold
+$97,255(104.1% ROI)
Projected value
$528,479
Current value$467,098
Return breakdown
Property appreciation+$61,381
Loan principal paid down+$23,874
Rental cash flow+$12,000
10-year hold
+$211,715(226.6% ROI)
Projected value
$597,925
Current value$467,098
Return breakdown
Property appreciation+$130,827
Loan principal paid down+$56,888
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.88ratio
FMR$2,300
Market$2,610
vs market-$310

FMR is below market; voucher rent may lag private rents.

90% standard$2,070 / 0.79 ratio110% standard$2,530 / 0.97 ratio
0.88
1 BR
1 BR
0.90ratio
FMR$2,470
Market$2,750
vs market-$280

FMR is below market; voucher rent may lag private rents.

90% standard$2,223 / 0.81 ratio110% standard$2,717 / 0.99 ratio
0.90
2 BR
2 BR
0.85ratio
FMR$3,240
Market$3,800
vs market-$560

FMR is below market; voucher rent may lag private rents.

90% standard$2,916 / 0.77 ratio110% standard$3,564 / 0.94 ratio
0.85
3 BR
3 BR
1.14ratio
FMR$4,510
Market$3,960
vs market+$550

FMR is above market; underwrite to market rent.

90% standard$4,059 / 1.02 ratio110% standard$4,961 / 1.25 ratio
1.14
4 BR
4 BR
1.24ratio
FMR$5,440
Market$4,380
vs market+$1,060

FMR is above market; underwrite to market rent.

90% standard$4,896 / 1.12 ratio110% standard$5,984 / 1.37 ratio
1.24
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 96707 (HI) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

96707 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 96707 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,240 and the 4 bedroom fair market rent is $5,440.

Use this page for searches like 96707 FMR, 96707 fair market rent, and 96707 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 96707
Bedroom sizeHUD FMR
Studio$2,300
1 bedroom$2,470
2 bedroom$3,240
3 bedroom$4,510
4 bedroom$5,440