Income Guidelines
Overview
The U.S. Department of Housing and Urban Development (HUD) sets income limits each year that determine eligibility for affordable housing programs. These limits help define what households may qualify for income-restricted housing based on their income and household size. This page provides the most recent income, rent, and sales price guidelines issued by HUD and used to determine eligibility and pricing for affordable housing programs across the City and County of Honolulu.
Download Full Oʻahu Income, Rent, and Sales Guidelines (PDF)
The following table presents income limits by household size and by percentage of the HUD-established median income. These limits serve as guidelines to determine eligibility for affordable housing programs, including rental and homeownership opportunities offered through the City and County of Honolulu. The figures are based on a 2025 median family income of $129,300 for Honolulu County and reflect income thresholds at 10% to 140% of the Area Median Income (AMI).
How to Calculate Your AMI
To find out where your household falls on the Area Median Income (AMI) scale:
Add up your total gross household income — this includes income from all working adults in the home, before taxes.
Count your household size — this includes all adults and children who live with you full-time.
Compare your income to the chart below — find the row that matches your household size, then see which AMI percentage your income falls under.
| LIMITS BY FAMILY SIZE | |||||||||
MEDIAN: Adjustments for family size | 1 PERSON | 2 PERSON | 3 PERSON | 4 PERSON | 5 PERSON | 6 PERSON | 7 PERSON | 8 PERSON | |
| 0.7000 | 0.8000 | 0.9000 | 1.0000 | 1.0800 | 1.1600 | 1.2400 | 1.3200 | ||
| % OF INCOME | 10% | $ 10,640.00 | $ 12,160.00 | $ 13,680.00 | $ 15,200.00 | $ 16,420.00 | $ 17,540.00 | $ 18,850.00 | $ 20,070.00 |
| 20% | $ 21,280.00 | $ 24,320.00 | $ 27,360.00 | $ 30,400.00 | $ 32,840.00 | $ 35,280.00 | $ 37,700.00 | $ 40,140.00 | |
| 30% | $ 31,920.00 | $ 36,480.00 | $ 41,040.00 | $ 45,600.00 | $ 49,260.00 | $ 52,820.00 | $ 56,550.00 | $ 60,210.00 | |
| 40% | $ 42,560.00 | $ 48,540.00 | $ 54,720.00 | $ 60,800.00 | $ 65,680.00 | $ 70,560.00 | $ 75,400.00 | $ 80,280.00 | |
| 50% | $ 53,200.00 | $ 60,800.00 | $ 68,400.00 | $ 76,000.00 | $ 82,100.00 | $ 88,200.00 | $ 94,250.00 | $ 100,350.00 | |
| 60% | $ 63,840.00 | $ 72,960.00 | $ 82,080.00 | $ 91,200.00 | $ 98,520.00 | $ 105,840.00 | $ 113,100.00 | $ 120,420.00 | |
| 70% | $ 74,480.00 | $ 85,120.00 | $ 95,760.00 | $ 106,400.00 | $ 114,940.00 | $ 123,480.00 | $ 131,950.00 | $ 140,490.00 | |
| 80% | $ 85,120.00 | $ 97,280.00 | $ 109,440.00 | $ 121,600.00 | $ 131,360.00 | $ 141,120.00 | $ 150,800.00 | $ 160,560.00 | |
| 90% | $ 95,760.00 | $ 109,440.00 | $ 123,120.00 | $ 136,800.00 | $ 147,780.00 | $ 158,760.00 | $ 169,650.00 | $ 180,630.00 | |
| 100% | $ 106,400.00 | $ 121,600.00 | $ 136,800.00 | $ 152,000.00 | $ 164,200.00 | $ 176,400.00 | $ 188,500.00 | $ 200,700.00 | |
| 110% | $ 117,040.00 | $ 133,760.00 | $ 150,480.00 | $ 167,200.00 | $ 180,620.00 | $ 194,040.00 | $ 207,350.00 | $ 220,770.00 | |
| 120% | $ 127,680.00 | $ 145,920.00 | $ 164,160.00 | $ 182,400.00 | $ 197,040.00 | $ 211,680.00 | $ 226,200.00 | $ 240,840.00 | |
| 130% | $ 138,320.00 | $ 158,080.00 | $ 177,840.00 | $ 197,600.00 | $ 213,460.00 | $ 229,320.00 | $ 245,050.00 | $ 260,910.00 | |
| 140% | $ 148,960.00 | $ 170,240.00 | $ 191,520.00 | $ 212,800.00 | $ 229,880.00 | $ 246,960.00 | $ 263,900.00 | $ 280,980.00 | |