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AFFORDABLE HOUSING GUIDELINES FOR THE COUNTY OF HAWAI'I
FOR-SALE UNITS GUIDELINES (Effective 08/09/2019)
This information is based on 2019 median income established by the U.S. Department of Housing and Urban Development (HUD) for various family sizes. Adjustments to the very low-
(50%) and low-income (80%) limits are made by HUD for areas with unusually high or low family income or housing costs. Most income limits are proportionately based on very low-income
limits. Thus, the four-person (60%) income limit is 120% (60/50ths) of the four-person very low-income limit.
The figures considers (1) a 30-year conventional fixed mortgage; (2) a fixed interest rate of 4.50%*; (3) a down payment equal to 5% of the sales price (4) housing expenses equal to
28% of
gross annual income; *The interest rate used is the annual average interest rate for a 30-year conventional fixed mortgage, for the twelve months ending in the previous year rounded
to the
nearest half percent, as published by the Federal Home Loan Mortgage Corp (http://www.freddiemac.com/pmms/docs/30yr_pmmsmnth.xls).
2 CREDITS1.5 CREDITS1 CREDIT1/2 CREDIT
% of Median50%60%70%80%90%100%110%120%130%140%
Sales Price: Studio:$133,300.00$160,000.00$186,600.00$213,300.00$239,900.00$266,600.00$293,300.00$319,900.00$346,600.00$373,300.00
1 person max family income:$ 27,500$ 33,000$ 38,500$ 44,000$ 49,500$ 55,000$ 60,500$ 66,000$
71,500$ 77,000
5.2121%5.2134%5.2115%5.2126%5.2112%5.2121%5.2128%5.2118%5.2124%5.2129%
$126,600$152,000$177,300$202,600$228,000$253,300$278,600$303,900$329,300$354,600
Sales Price: 1 Bedroom:$152,200.00$182,700.00$213,100.00$243,500.00$274,000.00$304,400.00$334,900.00$365,300.00$395,700.00$426,200.00
2 person max family income:$ 31,400$ 37,680$ 43,960$ 50,240$ 56,520$ 62,800$ 69,080$ 75,360$
81,640$ 87,920
5.2120%5.2137%5.2124%5.2115%5.2127%5.2120%5.2129%5.2122%5.2117%5.2124%
$144,600$173,500$202,400$231,400$260,300$289,200$318,100$347,000$376,000$404,900
Sales Price: 2 Bedroom:$171,400.00$205,600.00$239,900.00$274,200.00$308,400.00$342,700.00$377,000.00$411,300.00$445,500.00$479,800.00
3 person max family income:$ 35,350$ 42,420$ 49,490$ 56,560$ 63,630$ 70,700$ 77,770$ 84,840$
91,910$ 98,980
5.2136%5.2116%5.2123%5.2128%5.2116%5.2121%5.2125%5.2128%5.2120%5.2123%
$162,800$195,300$227,900$260,500$293,000$325,600$358,100$390,700$423,300$455,800
Sales Price: 3 Bedroom:$190,300.00$228,300.00$266,400.00$304,400.00$342,500.00$380,500.00$418,600.00$456,600.00$494,700.00$532,700.00
4 person max family income:$ 39,250$ 47,100$ 54,950$ 62,800$ 70,650$ 78,500$ 86,350$ 94,200$
102,050$ 109,900
5.2133%5.2120%5.2129%5.2120%5.2127%5.2120%5.2126%5.2120%5.2125%5.2120%
$180,700$216,900$253,000$289,200$325,300$361,500$397,600$433,800$469,900$506,100
Sales Price: 4 Bedroom:$205,500.00$246,600.00$287,700.00$328,900.00$370,000.00$411,100.00$452,200.00$493,300.00$534,400.00$575,500.00
5 person max family income:$ 42,400$ 50,880$ 59,360$ 67,840$ 76,320$ 84,800$ 93,280$ 101,760 $
110,240$ 118,720
5.2115%5.2115%5.2115%5.2131%5.2129%5.2128%5.2126%5.2125%5.2125%5.2124%
$195,300$234,300$273,400$312,400$351,500$390,500$429,600$468,600$507,700$546,700
Sales Price: 5 Bedroom:$220,800.00$265,000.00$309,100.00$353,300.00$397,400.00$441,600.00$485,800.00$529,900.00$574,100.00$618,200.00
6 person max family income:$ 45,550$ 54,660$ 63,770$ 72,880$ 81,990$ 91,100$ 100,210$ 109,320 $
118,430$ 127,540
5.2123%5.2131%5.2119%5.2126%5.2117%5.2123%5.2127%5.2121%5.2124%5.2119%
$209,800$251,700$293,700$335,600$377,600$419,500$461,500$503,400$545,400$587,300
FOR-SALE FINISHED LOTS GUIDELINES (Effective 08/09/2019)
This information is based on the affordable sales price for a completed unit for a household, earning one hundred percent of the median income in the County of Hawai'i, less the
cost to build a single-family home of 1,100 square feet. *$117.55 per square foot cost is based on estimates by The County of Hawai`i, Department of Public Works, Building
Division. Per Chapter 11 of the Hawai'i County Code 11-5(c)(9)(10)
% of Median IncomeAffordable Home PriceCost/UnitAffordable Lot PriceCredit
80%$ 304,400 - $ 129,305 =$ 175,095 1
100%$ 380,500 - $ 129,305 =$ 251,195 1/2
FOR-RENT GUIDELINES (Effective 08/09/2019)
Affordable rents are based on 30% of gross monthly income, including utilities (water, sanitary sewage service, electricity and/or gas). Please refer to form HUD-52667 (Allowances
for Tenant-Furnished Utilities and Other Services) for utilities for either single- and/or multi-family units.
Bedroom SizeStudioOneTwoThreeFourCredits
30%$ 412$ 441$ 530$ 612$ 6832
50%$ 687$ 736$ 883$ 1,020$ 1,1382
60%$ 825$ 883$ 1,060$ 1,224$ 1,3661 1/2
80%$ 1,100$ 1,178$ 1,414$ 1,633$ 1,8221 1/2
% of Median Income
100%$ 1,375$ 1,472$ 1,767$ 2,041$ 2,2771
120%$ 1,650$ 1,767$ 2,121$ 2,450$ 2,7331/2
2631paah 2019 Affordable Housing Guidelines For Sale Units and Lots
140%$ 1,925$ 2,061$ 2,474$ 2,857$ 3,1881/2