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Affordable Housing Programs in Hawaii: How Section 8 and HCV Assistance Works

Hawaii has some of the highest housing costs in the United States. For low-income households navigating those costs, the Section 8 Housing Choice Voucher (HCV) program is one of the primary federal tools available — though how it works in Hawaii depends heavily on which Public Housing Authority (PHA) administers it locally and the specific circumstances of each household.

How the HCV Program Works in Hawaii

The HCV program is federally funded through HUD but administered locally by PHAs. In Hawaii, that means different agencies handle different areas — including the Hawaii Public Housing Authority (HPHA), which operates statewide, alongside county-level agencies on individual islands.

The basic structure works the same way it does nationally: eligible households receive a voucher that pays a portion of their rent directly to a private landlord. The tenant pays the difference between the actual rent and what the voucher covers, generally targeted at 30% of the household's adjusted monthly income.

Eligibility: What Generally Determines Who Qualifies 🏠

PHAs in Hawaii use HUD income limits tied to Area Median Income (AMI) for each county. Because Hawaii has multiple islands with distinct housing markets — Honolulu, Maui, Hawaii County, Kauai — income limits vary by location.

Most HCV eligibility is based on:

FactorWhat It Means
Income limitTypically at or below 50% of AMI; PHAs must serve 75% of new admissions at or below 30% of AMI
Household compositionNumber of people in the household affects both eligibility and voucher size
Citizenship/immigration statusAt least one household member must be a U.S. citizen or eligible noncitizen
Criminal historyPHAs may screen applicants; specific rules vary by agency
Prior rental historySome PHAs review prior lease violations or debts to housing programs

Because Hawaii's AMI figures are among the highest in the country — particularly on Oahu — income limits expressed as a percentage of AMI can still leave many working families eligible for assistance despite earning wages that appear moderate elsewhere.

Waitlists in Hawaii: Long Waits Are Common

Hawaii's housing market makes waitlist demand extremely high. PHAs open waitlists infrequently, and when they do, demand typically exceeds available slots quickly. Some waitlists operate on a first-come-first-served basis; others use a lottery system where applicants are randomly selected from a pool.

Preference categories — such as for households experiencing homelessness, veterans, or residents displaced by natural disasters — can affect placement order. Individual PHAs define their own preference categories, which means the same household might receive different priority depending on which PHA administers their application.

Wait times in Hawaii have historically ranged from several years to over a decade. Current waitlist status, whether any lists are open, and how preferences are applied are all determined by the specific PHA.

How Vouchers Work Once Issued

When a household reaches the top of the waitlist and is issued a voucher, they attend a briefing — a required session where the PHA explains program rules, how to find housing, and what the voucher covers.

The voucher has a term — typically 60 to 120 days — during which the household must find a qualifying unit. Extensions are sometimes available but depend on PHA policy.

Payment standards — the maximum subsidy a PHA will pay for a given unit size — are set locally and reflect local market conditions. In Hawaii, where rents are exceptionally high, payment standards can be significantly higher than in most mainland markets, though they still may not cover the full cost of available units in the tightest areas.

The tenant pays the difference between the gross rent (rent plus utilities) and the PHA's subsidy. If utilities are the tenant's responsibility, the PHA applies a utility allowance to account for that cost.

Tenant-based vouchers move with the household. Project-based vouchers (PBV) are tied to specific units — if a household leaves that unit, they leave the subsidy behind, though some programs allow households to later access a tenant-based voucher after meeting residency requirements.

Landlord Participation and Inspections 🔍

Landlords in Hawaii are not required to accept Section 8 vouchers — though state and county law may affect whether landlords can decline based on source of income. This varies and is worth verifying through local legal resources.

For landlords who do participate, the process involves:

  • HQS or NSPIRE inspection — the unit must meet HUD's housing quality standards before a lease begins
  • Rent reasonableness determination — the PHA must confirm the requested rent is reasonable compared to similar unassisted units nearby
  • HAP contract — a Housing Assistance Payments contract between the landlord and PHA, separate from the lease

Inspections check for safety, sanitation, and habitability. Units that fail must have deficiencies corrected before the subsidy begins. Annual inspections (or periodic inspections under NSPIRE) are required to maintain the contract.

Portability: Moving With a Voucher

Hawaii residents with vouchers can, in some circumstances, use them outside their issuing PHA's jurisdiction — including to the mainland — through portability. Households generally must have leased their initial unit for at least 12 months before porting, unless they are moving due to certain exceptions.

The initial PHA (the one that issued the voucher) coordinates with the receiving PHA (where the household wants to move). The receiving PHA may administer the voucher directly or bill the initial PHA. Portability procedures, timelines, and billing arrangements vary between agencies.

Annual Recertification and Income Changes

Participants must complete annual recertification, reporting current income, household composition, and assets. If income increases, the tenant's share of rent typically increases. If income decreases, the subsidy may increase. Mid-year interim changes can be requested when a significant income change occurs between recertifications — PHA rules govern when and how these are processed.

Denials, Terminations, and Informal Hearings

PHAs may deny applications or terminate assistance based on eligibility criteria, program violations, or screening factors. Households generally have the right to request an informal hearing to challenge those decisions. The procedures, timelines, and scope of what can be contested are governed by each PHA's administrative plan.

The specific rules that determine how Hawaii's PHAs handle these situations — payment standards, waitlist preferences, voucher terms, and income calculations — differ enough across islands and agencies that the outcome for any household depends entirely on which PHA is involved and the full picture of that household's circumstances.

Find Other Programs Available In Your State

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