FY2027 Small Area FMR · Kahuku, HI

ZIP 96731 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 96731 (Kahuku, HI) is $2,080 a month, down 5.5% from FY2026. That is 18% below the Urban Honolulu, HI area-wide FMR of $2,542.

2-bedroom SAFMR$2,080per month ▼ 5.5%

Area-wide 2 BR FMR$2,542Urban Honolulu, HI

Rank in the area60thof 60 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,872

2 BR Small Area FMR$2,080

110% of SAFMR$2,288

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

Studio$1,500▼ 3.8%

1 BR$1,600▼ 4.8%

2 BR$2,080▼ 5.5%

3 BR$2,880▼ 5.9%

4 BR$3,480▼ 5.7%

FY2027 FY2026

Where 96731 sits in the Urban Honolulu, HI area

Of the 60 ZIP codes HUD lists for the area, 96731 has the 60th highest two-bedroom Small Area FMR. Urban Honolulu, HI is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,872 and $2,288 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,500	$1,350 – $1,650	$1,836	$1,560
1 bedroom	$1,600	$1,440 – $1,760	$1,951	$1,680
2 bedrooms	$2,080	$1,872 – $2,288	$2,542	$2,200
3 bedrooms	$2,880	$2,592 – $3,168	$3,520	$3,060
4 bedrooms	$3,480	$3,132 – $3,828	$4,249	$3,690

A household renting a two-bedroom home at the Small Area FMR of $2,080 needs about $83,200 a year to keep housing costs at 30% of income. The area median family income is $133,400 and the 80% low-income limit for four people is $123,200. ZIP code 96731 lies mainly in Honolulu County. See the Urban Honolulu, HI county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
96762	Laie	4.4 mi	$3,030
96712	Haleiwa	6.4 mi	$2,490
96786	Wahiawa	7.9 mi	$3,020
96717	Hauula	9.3 mi	$2,720
96730	Kaaawa	12.0 mi	$2,370
96789	Mililani	13.6 mi	$2,810

Questions

What is the Fair Market Rent for ZIP code 96731?

HUD's FY2027 Small Area Fair Market Rents for 96731 are $1,500 (studio), $1,600 (1 BR), $2,080 (2 BR), $2,880 (3 BR) and $3,480 (4 BR) a month.

What is the Section 8 payment standard in 96731?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 96731 that range is $1,872 to $2,288 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 96731?

The FY2026 income limits of the Urban Honolulu, HI area apply: median family income $133,400, low-income (80%) limit $123,200 for a family of four.