FY2027 Small Area FMR · Honomu, HI

ZIP 96728 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 96728 (Honomu, HI) is $2,090 a month, down 9.5% from FY2026. That is 0% equal to the Hawaii County, HI area-wide FMR of $2,081.

2-bedroom SAFMR$2,090per month ▼ 9.5%

Area-wide 2 BR FMR$2,081Hawaii County, HI

Rank in the area12thof 32 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,881

2 BR Small Area FMR$2,090

110% of SAFMR$2,299

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,610▼ 9.0%

1 BR$1,620▼ 9.0%

2 BR$2,090▼ 9.5%

3 BR$2,630▼ 9.9%

4 BR$3,040▼ 9.8%

FY2027 FY2026

Where 96728 sits in the Hawaii County, HI area

Of the 32 ZIP codes HUD lists for the area, 96728 has the 12th highest two-bedroom Small Area FMR. Hawaii County, HI is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $2,081 for two bedrooms; an agency that opts in to Small Area FMRs would use $2,090 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,610	$1,449 – $1,771	$1,605	$1,770
1 bedroom	$1,620	$1,458 – $1,782	$1,615	$1,780
2 bedrooms	$2,090	$1,881 – $2,299	$2,081	$2,310
3 bedrooms	$2,630	$2,367 – $2,893	$2,620	$2,920
4 bedrooms	$3,040	$2,736 – $3,344	$2,910	$3,370

A household renting a two-bedroom home at the Small Area FMR of $2,090 needs about $83,600 a year to keep housing costs at 30% of income. The area median family income is $98,300 and the 80% low-income limit for four people is $96,800. ZIP code 96728 lies mainly in Hawaii County. See the Hawaii County, HI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
96783	Pepeekeo	2.4 mi	$1,940
96773	Ninole	7.5 mi	$2,080
96781	Papaikou	7.9 mi	$2,130
96710	Hakalau	8.1 mi	$2,110
96780	Papaaloa	9.6 mi	$1,870
96764	Laupahoehoe	10.5 mi	$1,870

Questions

What is the Fair Market Rent for ZIP code 96728?

HUD's FY2027 Small Area Fair Market Rents for 96728 are $1,610 (studio), $1,620 (1 BR), $2,090 (2 BR), $2,630 (3 BR) and $3,040 (4 BR) a month.

What is the Section 8 payment standard in 96728?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 96728 that range is $1,881 to $2,299 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 96728?

The FY2026 income limits of the Hawaii County, HI area apply: median family income $98,300, low-income (80%) limit $96,800 for a family of four.