96725
ZIPSAFMR
Hawaii County, HI
BRFMR
Eff. Rent
0 BR$1,830$2,010
1 BR$1,840$2,020
2 BR$2,390$2,630
3 BR$3,020$3,320
4 BR$3,480$3,830
5 BR$4,002
6 BR$4,602
7 BR$5,293
8 BR$6,087

Purchase Price Calculator

Maximum purchase price
$328,900

Cost breakdown

+Likely effective rent$2,630
HUD FMR$2,390
Market rent$3,300
Est. payment standard (110%)Used$2,630
Estimated payment standard is $2,630 (110% of FMR).
-Principal and interest-$1,663
Loan amount$263,120
Down payment$65,780
Rate6.50%
Term30 years
-Operating costs-$767
Property taxes-$329
Insurance-$175
Utilities$0
HOA$0
Management-$263
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$41,916(63.7% ROI)
Projected value
$354,190
Current value$328,900
Return breakdown
Property appreciation+$25,289
Loan principal paid down+$9,427
Rental cash flow+$7,200
5-year hold
+$72,031(109.5% ROI)
Projected value
$372,121
Current value$328,900
Return breakdown
Property appreciation+$43,220
Loan principal paid down+$16,811
Rental cash flow+$12,000
10-year hold
+$156,177(237.4% ROI)
Projected value
$421,020
Current value$328,900
Return breakdown
Property appreciation+$92,120
Loan principal paid down+$40,057
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
0.79ratio
FMR$1,830
Market$2,320
vs market-$490

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

90% standard$1,647 / 0.71 ratio110% standard$2,013 / 0.87 ratio
0.79
1 BR
1 BR
0.78ratio
FMR$1,840
Market$2,360
vs market-$520

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

90% standard$1,656 / 0.70 ratio110% standard$2,024 / 0.86 ratio
0.78
2 BR
2 BR
0.72ratio
FMR$2,390
Market$3,300
vs market-$910

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

90% standard$2,151 / 0.65 ratio110% standard$2,629 / 0.80 ratio
0.72
3 BR
3 BR
0.73ratio
FMR$3,020
Market$4,140
vs market-$1,120

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

90% standard$2,718 / 0.66 ratio110% standard$3,322 / 0.80 ratio
0.73
4 BR
4 BR
0.56ratio
FMR$3,480
Market$6,220
vs market-$2,740

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

90% standard$3,132 / 0.50 ratio110% standard$3,828 / 0.62 ratio
0.56
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

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 96725 (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.

96725 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 96725 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,390 and the 4 bedroom fair market rent is $3,480.

Use this page for searches like 96725 FMR, 96725 fair market rent, and 96725 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 96725
Bedroom sizeHUD FMR
Studio$1,830
1 bedroom$1,840
2 bedroom$2,390
3 bedroom$3,020
4 bedroom$3,480