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Best fit
Families
Rent
30% of adjusted income
Floor plans
1 Bed • 2 Bed
Total Units
24
Assisted
24
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How Walk Score worksWhat this means for you
30%
of adjusted income
This property includes USDA Section 515. Rent rules can change by unit, so ask the office which program applies to the apartment you want.
USDA Section 515: This is rural housing in a smaller town or rural area. Many tenants pay based on income, but the exact rent can vary by unit and assistance level.
To qualify for these apartments at WAIKOLOA GARDENS, your total household income must fit the local Area Median Income (AMI) limits for Waikoloa and the 96738 zip code. The exact rules can vary by program and by household size.
This property includes USDA Section 515. Check the program labels on this page and confirm the exact unit rules with management before you apply.
Local Median (1-Person)
$58,249
Local Median (4-Person)
$83,214
Based on the latest 2024 census data, the figures above show the local median earnings for this area.
2 accessible units reported.
Management Company
BIG ISLAND HOUSING FOUNDATION
Property Owner
JACK HALL KONA MEM
Non-Profit
You must be of qualifying age. Your income must fall within HUD's Area Median Income (AMI) limits for Waikoloa.
This listing shows historically available units. Ask directly if a unit is open today.
If you use a wheelchair or walker, confirm elevator access and doorway widths before submitting a paid application.
Rural Housing Rights:USDA Rural Development properties offer rental assistance and have specific tenant grievance procedures. Read the full guide
Income limits are calculated against the Area Median Income (AMI) for the 96738 zip code. Based on recent Census data, the local median income is $58,249 for a single person, and $83,214 for a four-person household. Your specific income cap depends on the exact subsidy program rules applied by management.
To view how these median figures translate to specific income caps (e.g., 30%, 50%, or 60% AMI limits) for all household sizes, check out the AMI Calculator .
Our eligibility tool automatically cross-references your household size and gross income with the local AMI database for this property to determine your fit.
Waikoloa gardens is part of the USDA Section 515 program, providing affordable housing to low-income households. This program offers income based apartments and low income housing options in waikoloa.
No. USDA Section 515 housing is open to anyone who meets the income limits for waikoloa. You do not need to be a farmworker or work in agriculture to qualify for these affordable apartments.
Because this property has 100% Rental Assistance, your rent will be capped at roughly 30% of your adjusted household income, providing true income based apartments. Management will calculate your exact rent based on your income documents.
This record reports: 1 Bed • 2 Bed. Availability can change rapidly, so ask management which layouts are currently open and whether any accessible units are available.
Yes, this property reports having 2 dedicated accessible unit(s). However, availability is subject to change. You should still call management to verify the dimensions of the doorways and bathrooms, and ensure an accessible unit is currently open.
This page currently shows 1 vacant unit reported. Even with vacancies, you should still ask whether the unit type you need is immediately available and whether screening or document review could delay move-in.
Use the eligibility checker to see the next step for this listing. Contact details are not shown here, but you can start the process and get your application path from the property page.
We'll ask a few basic questions and then show the next step.
Data Provenance
Sourced from USDA Section 515 Directory. Last updated: Jun 20, 2026.Read our methodology.