96738
ZIPSAFMR
Hawaii County, HI
BRFMR
Eff. Rent
0 BR$2,170$2,390
1 BR$2,180$2,400
2 BR$2,830$3,030
3 BR$3,570$3,450
4 BR$4,120$3,770
5 BR$4,738
6 BR$5,449
7 BR$6,266
8 BR$7,206

Purchase Price Calculator

Maximum purchase price
$388,340

Cost breakdown

+Likely effective rent$3,030
HUD FMR$2,830
Market rent$3,140
Est. payment standard (107%)Used$3,030
Estimated payment standard is $3,030 (107% of FMR).
-Principal and interest-$1,964
Loan amount$310,672
Down payment$77,668
Rate6.50%
Term30 years
-Operating costs-$866
Property taxes-$388
Insurance-$175
Utilities$0
HOA$0
Management-$303
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$48,190(62.0% ROI)
Projected value
$418,200
Current value$388,340
Return breakdown
Property appreciation+$29,860
Loan principal paid down+$11,131
Rental cash flow+$7,200
5-year hold
+$82,880(106.7% ROI)
Projected value
$439,371
Current value$388,340
Return breakdown
Property appreciation+$51,031
Loan principal paid down+$19,849
Rental cash flow+$12,000
10-year hold
+$180,064(231.8% ROI)
Projected value
$497,108
Current value$388,340
Return breakdown
Property appreciation+$108,768
Loan principal paid down+$47,296
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
0.80ratio
FMR$2,170
Market$2,710
vs market-$540

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

90% standard$1,953 / 0.72 ratio110% standard$2,387 / 0.88 ratio
0.80
1 BR
1 BR
0.79ratio
FMR$2,180
Market$2,750
vs market-$570

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

90% standard$1,962 / 0.71 ratio110% standard$2,398 / 0.87 ratio
0.79
2 BR
2 BR
0.90ratio
FMR$2,830
Market$3,140
vs market-$310

FMR is near market; voucher and private rents are aligned.

90% standard$2,547 / 0.81 ratio110% standard$3,113 / 0.99 ratio
0.90
3 BR
3 BR
1.03ratio
FMR$3,570
Market$3,450
vs market+$120

FMR is near market; voucher and private rents are aligned.

90% standard$3,213 / 0.93 ratio110% standard$3,927 / 1.14 ratio
1.03
4 BR
4 BR
1.09ratio
FMR$4,120
Market$3,770
vs market+$350

FMR is near market; voucher and private rents are aligned.

90% standard$3,708 / 0.98 ratio110% standard$4,532 / 1.20 ratio
1.09
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit 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 96738 (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.

96738 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 96738 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,830 and the 4 bedroom fair market rent is $4,120.

Use this page for searches like 96738 FMR, 96738 fair market rent, and 96738 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 96738
Bedroom sizeHUD FMR
Studio$2,170
1 bedroom$2,180
2 bedroom$2,830
3 bedroom$3,570
4 bedroom$4,120