Skip to main content
Loading page
Maui County/Paia/96779

96779

ZIPSAFMR
Maui County, HI
Zillow

ZIP Investment Score

54Below average

095130300
BRFMR
Eff. Rent
0 BR$2,340$2,570
1 BR$2,570$2,830
2 BR$3,360$3,540
3 BR$4,240$4,100
4 BR$5,240$5,340
5 BR$6,026Not available
6 BR$6,930Not available
7 BR$7,969Not available
8 BR$9,165Not available

Purchase Price Calculator

Maximum purchase price
$464,126

Cost breakdown

+Likely effective rent$3,540
HUD FMR$3,360
Market rent$3,640
Est. payment standard (105%)Used$3,540
-Principal and interest-$2,347
Loan amount$371,301
Down payment$92,825
Rate6.50%
Term30 years
-Operating costs-$993
Property taxes-$464
Insurance-$175
Utilities$0
HOA$0
Management-$354
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$56,190(60.5% ROI)
Projected value
$499,813
Return breakdown
Property appreciation+$35,687
Loan principal paid down+$13,303
Rental cash flow+$7,200
5-year hold
+$96,712(104.2% ROI)
Projected value
$525,116
Return breakdown
Property appreciation+$60,990
Loan principal paid down+$23,722
Rental cash flow+$12,000
10-year hold
+$210,521(226.8% ROI)
Projected value
$594,121
Return breakdown
Property appreciation+$129,995
Loan principal paid down+$56,526
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

Market Alignment

Studio
0.79
1 BR
0.75
2 BR
0.92
3 BR
1.03
4 BR
0.97
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 96779 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 96779 (Paia, HI) is $3,360 a month. That is down 4.3% from $3,510 in FY 2026. Paia is in the Kahului-Wailuku-Lahaina, HI HUD Metro 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 metro-wide two-bedroom FMR of $2,656. Among 18 ZIP codes in Maui County, 96779 has the highest two-bedroom rent (county range $2,370–$3,360). The median county two-bedroom FMR in Hawaii is $2,326, so ZIP 96779 is 44% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 96779
BedroomsFY 2027Change90–110% range
Studio$2,340−7.9%$2,106–$2,574
1BR$2,570−4.1%$2,313–$2,827
2BR$3,360−4.3%$3,024–$3,696
3BR$4,240−6.8%$3,816–$4,664
4BR$5,240−7.6%$4,716–$5,764

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 96779
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,340$2,570$3,360$4,240$5,240
FY 2026$2,540$2,680$3,510$4,550$5,670
FY 2025$2,350$2,370$3,100$4,170$4,810
FY 2024$2,300$2,330$2,930$4,010$4,430
FY 2023$2,180$2,280$2,820$3,880$4,180

Two-bedroom rent in nearby Maui County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 96779
96753$3,120−7.1%
96757$2,370−29.5%
96761$2,980−11.3%
96763$2,370−29.5%
96767$2,660−20.8%
96768$2,620−22.0%
96770$2,660−20.8%
96779Current$3,360—
96784$2,660−20.8%
96788$2,660−20.8%
96790$2,840−15.5%
96793$2,470−26.5%

Questions about ZIP 96779 rents

How much will Section 8 pay for a two-bedroom in ZIP 96779?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $2,656, which applies unless the housing authority uses Small Area FMRs, that basic range is $2,390 to $2,922 a month; under the ZIP-level Small Area FMR of $3,360 it would be $3,024 to $3,696. 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 96779 in?

ZIP 96779 is in the Kahului-Wailuku-Lahaina, HI HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $2,656.

How much did fair market rent change in ZIP 96779 for FY 2027?

The two-bedroom FMR fell 4.3%, from $3,510 in FY 2026 to $3,360 in FY 2027. Since FY 2023 it has risen 19.1%.

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