FY2027 Small Area FMR · Pahoa, HI

ZIP 96778 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 96778 (Pahoa, HI) is $1,910 a month, down 3.0% from FY2026. That is 8% below the Hawaii County, HI area-wide FMR of $2,081.

2-bedroom SAFMR$1,910per month ▼ 3.0%

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

Rank in the area26thof 32 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,719

2 BR Small Area FMR$1,910

110% of SAFMR$2,101

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

Studio$1,470▼ 2.6%

1 BR$1,480▼ 2.6%

2 BR$1,910▼ 3.0%

3 BR$2,400▼ 3.6%

4 BR$2,730▼ 4.9%

FY2027 FY2026

Where 96778 sits in the Hawaii County, HI area

Of the 32 ZIP codes HUD lists for the area, 96778 has the 26th 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 $1,910 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	$1,470	$1,323 – $1,617	$1,605	$1,510
1 bedroom	$1,480	$1,332 – $1,628	$1,615	$1,520
2 bedrooms	$1,910	$1,719 – $2,101	$2,081	$1,970
3 bedrooms	$2,400	$2,160 – $2,640	$2,620	$2,490
4 bedrooms	$2,730	$2,457 – $3,003	$2,910	$2,870

A household renting a two-bedroom home at the Small Area FMR of $1,910 needs about $76,400 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 96778 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
96760	Kurtistown	8.2 mi	$1,890
96771	Mountain View	8.5 mi	$1,960
96749	Keaau	12.8 mi	$1,870
96720	Hilo	20.2 mi	$1,930
96785	Volcano	24.7 mi	$1,870
96781	Papaikou	27.0 mi	$2,130

Questions

What is the Fair Market Rent for ZIP code 96778?

HUD's FY2027 Small Area Fair Market Rents for 96778 are $1,470 (studio), $1,480 (1 BR), $1,910 (2 BR), $2,400 (3 BR) and $2,730 (4 BR) a month.

What is the Section 8 payment standard in 96778?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 96778 that range is $1,719 to $2,101 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 96778?

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.