96822
ZIPSAFMR
Honolulu County, HI
BRFMR
Eff. Rent
0 BR$1,780$1,790
1 BR$1,920$2,110
2 BR$2,510$2,760
3 BR$3,490$3,840
4 BR$4,210$4,630
5 BR$4,842
6 BR$5,568
7 BR$6,403
8 BR$7,363

Purchase Price Calculator

Maximum purchase price
$348,218

Cost breakdown

+Likely effective rent$2,760
HUD FMR$2,510
Market rent$3,370
Est. payment standard (110%)Used$2,760
Estimated payment standard is $2,760 (110% of FMR).
-Principal and interest-$1,761
Loan amount$278,575
Down payment$69,644
Rate6.50%
Term30 years
-Operating costs-$799
Property taxes-$348
Insurance-$175
Utilities$0
HOA$0
Management-$276
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,955(63.1% ROI)
Projected value
$374,993
Current value$348,218
Return breakdown
Property appreciation+$26,775
Loan principal paid down+$9,981
Rental cash flow+$7,200
5-year hold
+$75,557(108.5% ROI)
Projected value
$393,977
Current value$348,218
Return breakdown
Property appreciation+$45,759
Loan principal paid down+$17,798
Rental cash flow+$12,000
10-year hold
+$163,940(235.4% ROI)
Projected value
$445,749
Current value$348,218
Return breakdown
Property appreciation+$97,531
Loan principal paid down+$42,410
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
0.99ratio
FMR$1,780
Market$1,800
vs market-$20

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

90% standard$1,602 / 0.89 ratio110% standard$1,958 / 1.09 ratio
0.99
1 BR
1 BR
0.83ratio
FMR$1,920
Market$2,310
vs market-$390

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

90% standard$1,728 / 0.75 ratio110% standard$2,112 / 0.91 ratio
0.83
2 BR
2 BR
0.74ratio
FMR$2,510
Market$3,370
vs market-$860

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

90% standard$2,259 / 0.67 ratio110% standard$2,761 / 0.82 ratio
0.74
3 BR
3 BR
0.84ratio
FMR$3,490
Market$4,170
vs market-$680

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

90% standard$3,141 / 0.75 ratio110% standard$3,839 / 0.92 ratio
0.84
4 BR
4 BR
0.86ratio
FMR$4,210
Market$4,920
vs market-$710

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

90% standard$3,789 / 0.77 ratio110% standard$4,631 / 0.94 ratio
0.86
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 96822 (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.

96822 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 96822 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $2,510 and the 4 bedroom fair market rent is $4,210.

Use this page for searches like 96822 FMR, 96822 fair market rent, and 96822 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 96822
Bedroom sizeHUD FMR
Studio$1,780
1 bedroom$1,920
2 bedroom$2,510
3 bedroom$3,490
4 bedroom$4,210