96818
ZIPSAFMR
Honolulu County, HI
BRFMR
Eff. Rent
0 BR$2,420$1,830
1 BR$2,600$2,270
2 BR$3,410$2,700
3 BR$4,740$3,310
4 BR$5,720$4,340
5 BR$6,578
6 BR$7,565
7 BR$8,699
8 BR$10,004

Purchase Price Calculator

Maximum purchase price
$339,302

Cost breakdown

+Likely effective rent$2,700
HUD FMR$3,410
Market rentUsed$2,700
Est. payment standard (90%)$3,070
Market rent is below the inferred standard ($3,070, 90% of FMR).
-Principal and interest-$1,716
Loan amount$271,442
Down payment$67,860
Rate6.50%
Term30 years
-Operating costs-$784
Property taxes-$339
Insurance-$175
Utilities$0
HOA$0
Management-$270
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,014(63.4% ROI)
Projected value
$365,392
Current value$339,302
Return breakdown
Property appreciation+$26,089
Loan principal paid down+$9,725
Rental cash flow+$7,200
5-year hold
+$73,930(108.9% ROI)
Projected value
$383,890
Current value$339,302
Return breakdown
Property appreciation+$44,587
Loan principal paid down+$17,342
Rental cash flow+$12,000
10-year hold
+$160,357(236.3% ROI)
Projected value
$434,336
Current value$339,302
Return breakdown
Property appreciation+$95,033
Loan principal paid down+$41,324
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
1.32ratio
FMR$2,420
Market$1,830
vs market+$590

FMR is above market; underwrite to market rent.

90% standard$2,178 / 1.19 ratio110% standard$2,662 / 1.45 ratio
1.32
1 BR
1 BR
1.15ratio
FMR$2,600
Market$2,270
vs market+$330

FMR is above market; underwrite to market rent.

90% standard$2,340 / 1.03 ratio110% standard$2,860 / 1.26 ratio
1.15
2 BR
2 BR
1.26ratio
FMR$3,410
Market$2,700
vs market+$710

FMR is above market; underwrite to market rent.

90% standard$3,069 / 1.14 ratio110% standard$3,751 / 1.39 ratio
1.26
3 BR
3 BR
1.43ratio
FMR$4,740
Market$3,310
vs market+$1,430

FMR is above market; underwrite to market rent.

90% standard$4,266 / 1.29 ratio110% standard$5,214 / 1.58 ratio
1.43
4 BR
4 BR
1.32ratio
FMR$5,720
Market$4,340
vs market+$1,380

FMR is above market; underwrite to market rent.

90% standard$5,148 / 1.19 ratio110% standard$6,292 / 1.45 ratio
1.32
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across 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 96818 (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.

96818 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 96818 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $3,410 and the 4 bedroom fair market rent is $5,720.

Use this page for searches like 96818 FMR, 96818 fair market rent, and 96818 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 96818
Bedroom sizeHUD FMR
Studio$2,420
1 bedroom$2,600
2 bedroom$3,410
3 bedroom$4,740
4 bedroom$5,720