Affordable Housing In Pearl City
Honolulu County, Hawaii

3 Low Income Apartment Communities In Pearl City

Hale Mohalu Apartments

779-781 Kamehameha Hwy
Pearl City, HI
2-3 BR
HCV Welcome

Hale OHauoli Apartments

950 Luehu Street
Pearl City, HI
HCV Welcome

Manana Gardens

949 Luehu St
Pearl City, HI
HCV Welcome
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Housing Authorities that serve Pearl City

Housing Authority Programs
City and County of Honolulu Community Assistance Division Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Pearl City, Hawaii

According to federal housing data and research, there are 3 low income housing apartment communities offering 256 affordable apartments for rent in Pearl City, Hawaii. Pearl City features 0 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 256 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Pearl City.

Pearl City, HI Affordable Housing Snapshot

Total Affordable Apartment Properties 3
Total Low Income Apartments 256
Total Housing Units with Rental Assistance 0
Percentage of Housing Units Occupied By Renters 28.63%
Average Renter Household Size 3.00
Average Household Size 3.24
Median Household Income $85,384 ±$2,629
Median Rent $1,796 ±$89
Percentage Of Renters Overburdened 54.27% ± 5.05pp
Total Population 47,021

Population and Household Demographics

Pearl City is a City in Honolulu County, Hawaii with a population of 47,021. There are 13,894 households in the city with an average household size of 3.24 persons. 28.63% of households in Pearl City are renters.

Income and Rent Overburden in Pearl City

The median gross income for households in Pearl City is $85,384 a year, or $7,115 a month. The median rent for the city is $1,796 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Pearl City, a household making less than $5,987 a month would be considered overburdened when renting an apartment at or above the median rent. 54.27% of households who rent are overburdened in Pearl City.1

Area Median Income In Pearl City

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Pearl City, the AMI is calculated from all households within Honolulu County.

In Pearl City, HUD calculates the Area Median Income for a family of four as $99,000

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Pearl City

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Pearl City HUD Rental Assistance in Pearl City

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $25,350 $28,950 $32,550 $36,150 $39,050 $41,950 $44,860 $49,940
50% of Median $42,200 $48,200 $54,250 $60,250 $65,100 $69,900 $74,750 $79,550
80% of Median $67,500 $77,150 $86,800 $96,400 $104,150 $111,850 $119,550 $127,250
Low Income Housing Tax Credits in Pearl City

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1996 to 2000, 3 low income apartment communities containing 380 rental apartments have been constructed and made affordable to low income persons in Pearl City by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Pearl City

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $42,200 $48,200 $54,250 $60,250 $65,100 $69,900 $74,750 $79,550
60% of Median $50,640 $57,840 $65,100 $72,300 $78,120 $83,880 $89,700 $95,460

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Pearl City is $65,100 a year, or $5,425 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $5,425 by 30% to get a maximum rent of $1,628 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $1,055 $1,130 $1,356 $1,567 $1,748 $1,929
60% $1,266 $1,356 $1,628 $1,880 $2,097 $2,315
Fair Market Rents in Pearl City

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$1,473 $1,640 $2,160 $3,116 $3,792