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Honaunau-Napoopoo CDP, HI

ZIP 96704 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96704

Median Home Value
$586,200
Median Rent
$1,611
Affordability Snapshot
$161,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,766/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 96704 in Honaunau-Napoopoo CDP, HI, a household would need roughly $161,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,766. That is about 69% above the local median household income ($95,492), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.2%+10% vs US avg
x
Vacancy Rate
23.4%+127% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.9%-40% vs US avg
x
Mortgage-Free
55.0%+44% vs US avg
x
$586,200
Home Value
$1,611
Rent
1986
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached87.6%
  • 1-unit attached6.6%
  • 2-9 units2.9%
  • 10+ units2.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$586,200
Median rent$1,611
Owner-occupied72.2%
Vacant23.4%
Price-to-income6.1x
Est. income to buy$161,000