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Kauai County/Kilauea/96754

96754

ZIPSAFMR
Kauai County, HI
Zillow

ZIP Investment Score

22Below average

095130300
BRFMR
Eff. Rent
0 BR$1,810$1,810
1 BR$1,830$1,830
2 BR$2,400$2,400
3 BR$2,950$2,950
4 BR$3,340$3,340
5 BR$3,841Not available
6 BR$4,417Not available
7 BR$5,080Not available
8 BR$5,842Not available

Purchase Price Calculator

Maximum purchase price
$294,723

Cost breakdown

+Likely effective rent$2,400
HUD FMRUsed$2,400
Market rentN/A
Est. payment standardN/A
-Principal and interest-$1,490
Loan amount$235,778
Down payment$58,945
Rate6.50%
Term30 years
-Operating costs-$710
Property taxes-$295
Insurance-$175
Utilities$0
HOA$0
Management-$240
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$38,309(65.0% ROI)
Projected value
$317,384
Return breakdown
Property appreciation+$22,661
Loan principal paid down+$8,447
Rental cash flow+$7,200
5-year hold
+$65,793(111.6% ROI)
Projected value
$333,451
Return breakdown
Property appreciation+$38,729
Loan principal paid down+$15,064
Rental cash flow+$12,000
10-year hold
+$142,442(241.7% ROI)
Projected value
$377,270
Return breakdown
Property appreciation+$82,547
Loan principal paid down+$35,895
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
--
Tax rate
--
Mortgage rate
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ZIP 96754 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 96754 (Kilauea, HI) is $2,400 a month. That is down 9.8% from $2,660 in FY 2026. Kilauea is in the Kauai County, HI non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $2,105. Among 17 ZIP codes in Kauai County, 96754 has the 4th-highest two-bedroom rent (county range $2,100–$3,160). The median county two-bedroom FMR in Hawaii is $2,326, so ZIP 96754 is 3% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 96754
BedroomsFY 2027Change90–110% range
Studio$1,810−10.0%$1,629–$1,991
1BR$1,830−9.9%$1,647–$2,013
2BR$2,400−9.8%$2,160–$2,640
3BR$2,950−9.8%$2,655–$3,245
4BR$3,340−8.0%$3,006–$3,674

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 96754
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,810$1,830$2,400$2,950$3,340
FY 2026$2,010$2,030$2,660$3,270$3,630
FY 2025$2,070$2,070$2,710$3,430$3,930
FY 2024area FMR$1,608$1,805$2,372$3,122$3,693
FY 2023area FMR$1,436$1,632$2,148$2,883$3,509

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Kauai County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 96754
96716$2,250−6.2%
96722$3,160+31.7%
96741$2,100−12.5%
96746$2,260−5.8%
96747$2,100−12.5%
96751$2,260−5.8%
96752$2,490+3.8%
96754Current$2,400—
96756$2,100−12.5%
96765$2,290−4.6%
96766$2,270−5.4%
96769$2,100−12.5%

Questions about ZIP 96754 rents

How much will Section 8 pay for a two-bedroom in ZIP 96754?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $2,105, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,895 to $2,316 a month; under the ZIP-level Small Area FMR of $2,400 it would be $2,160 to $2,640. 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 96754 in?

ZIP 96754 is in the Kauai County, HI non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $2,105.

How much did fair market rent change in ZIP 96754 for FY 2027?

The two-bedroom FMR fell 9.8%, from $2,660 in FY 2026 to $2,400 in FY 2027. Since FY 2025 it has fallen 11.4%.

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