FY2027 Small Area FMR · Mcbh Kaneohe Bay, HI
ZIP 96863 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 96863 (Mcbh Kaneohe Bay, HI) is $3,660 a month, up 1.4% from FY2026. That is 44% above the Urban Honolulu, HI area-wide FMR of $2,542.
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 96863 sits in the Urban Honolulu, HI area
Of the 60 ZIP codes HUD lists for the area, 96863 has the 2nd 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 $3,294 and $4,026 for two bedrooms.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $2,640 | $2,376 – $2,904 | $1,836 | $2,560 |
| 1 bedroom | $2,810 | $2,529 – $3,091 | $1,951 | $2,760 |
| 2 bedrooms | $3,660 | $3,294 – $4,026 | $2,542 | $3,610 |
| 3 bedrooms | $5,070 | $4,563 – $5,577 | $3,520 | $5,020 |
| 4 bedrooms | $6,120 | $5,508 – $6,732 | $4,249 | $6,060 |
A household renting a two-bedroom home at the Small Area FMR of $3,660 needs about $146,400 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 96863 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
Questions
What is the Fair Market Rent for ZIP code 96863?
HUD's FY2027 Small Area Fair Market Rents for 96863 are $2,640 (studio), $2,810 (1 BR), $3,660 (2 BR), $5,070 (3 BR) and $6,120 (4 BR) a month.
What is the Section 8 payment standard in 96863?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 96863 that range is $3,294 to $4,026 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 96863?
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.