FY2027 Small Area FMR · Pearl City, HI

ZIP 96782 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 96782 (Pearl City, HI) is $2,680 a month, down 1.1% from FY2026. That is 5% above the Urban Honolulu, HI area-wide FMR of $2,542.

2-bedroom SAFMR$2,680per month ▼ 1.1%

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

Rank in the area19thof 60 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$2,412

2 BR Small Area FMR$2,680

110% of SAFMR$2,948

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

Studio$1,940▲ 0.5%

1 BR$2,060▼ 0.5%

2 BR$2,680▼ 1.1%

3 BR$3,710▼ 1.6%

4 BR$4,480▼ 1.5%

FY2027 FY2026

Where 96782 sits in the Urban Honolulu, HI area

Of the 60 ZIP codes HUD lists for the area, 96782 has the 19th 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 $2,412 and $2,948 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,940	$1,746 – $2,134	$1,836	$1,930
1 bedroom	$2,060	$1,854 – $2,266	$1,951	$2,070
2 bedrooms	$2,680	$2,412 – $2,948	$2,542	$2,710
3 bedrooms	$3,710	$3,339 – $4,081	$3,520	$3,770
4 bedrooms	$4,480	$4,032 – $4,928	$4,249	$4,550

A household renting a two-bedroom home at the Small Area FMR of $2,680 needs about $107,200 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 96782 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
96797	Waipahu	2.4 mi	$2,530
96701	Aiea	3.4 mi	$2,360
96860	Jbphh	4.3 mi	$3,190
96789	Mililani	4.6 mi	$2,810
96859	Tripler Army Medical Center	4.9 mi	$2,540
96818	Honolulu	5.1 mi	$3,450

Questions

What is the Fair Market Rent for ZIP code 96782?

HUD's FY2027 Small Area Fair Market Rents for 96782 are $1,940 (studio), $2,060 (1 BR), $2,680 (2 BR), $3,710 (3 BR) and $4,480 (4 BR) a month.

What is the Section 8 payment standard in 96782?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 96782 that range is $2,412 to $2,948 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 96782?

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.