96853
ZIPSAFMR
Honolulu County, HI
BRFMR
Eff. Rent
0 BR$2,420$1,800
1 BR$2,600$2,350
2 BR$3,410$2,730
3 BR$4,740$3,200
4 BR$5,720$4,030
5 BR$6,578
6 BR$7,565
7 BR$8,699
8 BR$10,004

Purchase Price Calculator

Maximum purchase price
$343,760

Cost breakdown

+Likely effective rent$2,730
HUD FMR$3,410
Market rentUsed$2,730
Est. payment standard (90%)$3,070
Market rent is below the inferred standard ($3,070, 90% of FMR).
-Principal and interest-$1,738
Loan amount$275,008
Down payment$68,752
Rate6.50%
Term30 years
-Operating costs-$792
Property taxes-$344
Insurance-$175
Utilities$0
HOA$0
Management-$273
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$43,485(63.2% ROI)
Projected value
$370,192
Current value$343,760
Return breakdown
Property appreciation+$26,432
Loan principal paid down+$9,853
Rental cash flow+$7,200
5-year hold
+$74,743(108.7% ROI)
Projected value
$388,933
Current value$343,760
Return breakdown
Property appreciation+$45,173
Loan principal paid down+$17,570
Rental cash flow+$12,000
10-year hold
+$162,149(235.8% ROI)
Projected value
$440,042
Current value$343,760
Return breakdown
Property appreciation+$96,282
Loan principal paid down+$41,867
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
1.34ratio
FMR$2,420
Market$1,800
vs market+$620

FMR is above market; underwrite to market rent.

90% standard$2,178 / 1.21 ratio110% standard$2,662 / 1.48 ratio
1.34
1 BR
1 BR
1.11ratio
FMR$2,600
Market$2,350
vs market+$250

FMR is above market; underwrite to market rent.

90% standard$2,340 / 1.00 ratio110% standard$2,860 / 1.22 ratio
1.11
2 BR
2 BR
1.25ratio
FMR$3,410
Market$2,730
vs market+$680

FMR is above market; underwrite to market rent.

90% standard$3,069 / 1.12 ratio110% standard$3,751 / 1.37 ratio
1.25
3 BR
3 BR
1.48ratio
FMR$4,740
Market$3,200
vs market+$1,540

FMR is above market; underwrite to market rent.

90% standard$4,266 / 1.33 ratio110% standard$5,214 / 1.63 ratio
1.48
4 BR
4 BR
1.42ratio
FMR$5,720
Market$4,030
vs market+$1,690

FMR is above market; underwrite to market rent.

90% standard$5,148 / 1.28 ratio110% standard$6,292 / 1.56 ratio
1.42
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 96853 (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.

96853 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 96853 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 96853 FMR, 96853 fair market rent, and 96853 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 96853
Bedroom sizeHUD FMR
Studio$2,420
1 bedroom$2,600
2 bedroom$3,410
3 bedroom$4,740
4 bedroom$5,720