FY2027 Small Area FMR · Kapaau, HI
ZIP 96755 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 96755 (Kapaau, HI) is $2,140 a month, up 8.6% from FY2026. That is 3% above the Hawaii County, HI area-wide FMR of $2,081.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 96755 sits in the Hawaii County, HI area
Of the 32 ZIP codes HUD lists for the area, 96755 has the 9th 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 $2,140 for this ZIP code instead.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $1,650 | $1,485 – $1,815 | $1,605 | $1,510 |
| 1 bedroom | $1,660 | $1,494 – $1,826 | $1,615 | $1,520 |
| 2 bedrooms | $2,140 | $1,926 – $2,354 | $2,081 | $1,970 |
| 3 bedrooms | $2,690 | $2,421 – $2,959 | $2,620 | $2,490 |
| 4 bedrooms | $2,990 | $2,691 – $3,289 | $2,910 | $2,870 |
A household renting a two-bedroom home at the Small Area FMR of $2,140 needs about $85,600 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 96755 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
Questions
What is the Fair Market Rent for ZIP code 96755?
HUD's FY2027 Small Area Fair Market Rents for 96755 are $1,650 (studio), $1,660 (1 BR), $2,140 (2 BR), $2,690 (3 BR) and $2,990 (4 BR) a month.
What is the Section 8 payment standard in 96755?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 96755 that range is $1,926 to $2,354 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 96755?
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.