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Honolulu County/Haleiwa/96712

96712

ZIPSAFMR
Honolulu County, HI
Zillow

ZIP Investment Score

30Below average

095130300
BRFMR
Eff. Rent
0 BR$1,800$1,980
1 BR$1,910$2,100
2 BR$2,490$2,740
3 BR$3,450$3,800
4 BR$4,160$4,580
5 BR$4,784Not available
6 BR$5,502Not available
7 BR$6,327Not available
8 BR$7,276Not available

Purchase Price Calculator

Maximum purchase price
$345,246

Cost breakdown

+Likely effective rent$2,740
HUD FMR$2,490
Market rent$3,580
Est. payment standard (110%)Used$2,740
-Principal and interest-$1,746
Loan amount$276,197
Down payment$69,049
Rate6.50%
Term30 years
-Operating costs-$794
Property taxes-$345
Insurance-$175
Utilities$0
HOA$0
Management-$274
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,642(63.2% ROI)
Projected value
$371,793
Return breakdown
Property appreciation+$26,546
Loan principal paid down+$9,895
Rental cash flow+$7,200
5-year hold
+$75,015(108.6% ROI)
Projected value
$390,615
Return breakdown
Property appreciation+$45,368
Loan principal paid down+$17,646
Rental cash flow+$12,000
10-year hold
+$162,746(235.7% ROI)
Projected value
$441,945
Return breakdown
Property appreciation+$96,698
Loan principal paid down+$42,048
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.70
1 BR
0.62
2 BR
0.70
3 BR
0.81
4 BR
0.63
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 96712 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 96712 (Haleiwa, HI) is $2,490 a month. That is down 8.1% from $2,710 in FY 2026. Haleiwa is in the Urban Honolulu, HI MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 60 ZIP codes in Honolulu County, 96712 has the 50th-highest two-bedroom rent (county range $2,080–$3,810). The median county two-bedroom FMR in Hawaii is $2,326, so ZIP 96712 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 96712
BedroomsFY 2027Change90–110% range
Studio$1,800−6.7%$1,620–$1,980
1BR$1,910−7.7%$1,719–$2,101
2BR$2,490−8.1%$2,241–$2,739
3BR$3,450−8.5%$3,105–$3,795
4BR$4,160−8.6%$3,744–$4,576

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 96712
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,800$1,910$2,490$3,450$4,160
FY 2026$1,930$2,070$2,710$3,770$4,550
FY 2025$1,880$2,040$2,670$3,740$4,480
FY 2024$1,610$1,760$2,300$3,240$3,900
FY 2023$1,430$1,570$2,050$2,910$3,490

Two-bedroom rent in nearby Honolulu County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 96712
96701$2,360−5.2%
96706$3,210+28.9%
96707$3,130+25.7%
96709$2,540+2.0%
96712Current$2,490—
96717$2,720+9.2%
96730$2,370−4.8%
96731$2,080−16.5%
96734$3,660+47.0%
96744$2,800+12.4%
96759$2,540+2.0%
96762$3,030+21.7%

Questions about ZIP 96712 rents

How much will Section 8 pay for a two-bedroom in ZIP 96712?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $2,490, that basic range is $2,241 to $2,739 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 96712 in?

ZIP 96712 is in the Urban Honolulu, HI MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 96712 for FY 2027?

The two-bedroom FMR fell 8.1%, from $2,710 in FY 2026 to $2,490 in FY 2027. Since FY 2023 it has risen 21.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHaleiwa, HI fair market rentHI statewide rentsWhat is SAFMR?Data sources