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Kalaeloa CDP, HI

ZIP 96707 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96707

Median Home Value
$772,400
Median Rent
$2,287
Affordability Snapshot
$213,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,962/mo PITI).

23%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

28.1 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 96707 in Kalaeloa CDP, HI, a household would need roughly $213,000 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 $4,962. That is about 75% above the local median household income ($121,409), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.5%+12% vs US avg
x
Vacancy Rate
9.1%-12% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
29.3%-41% vs US avg
x
Mortgage-Free
19.9%-48% vs US avg
x
$772,400
Home Value
$2,287
Rent
1999
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached52.3%
  • 1-unit attached13.0%
  • 2-9 units21.3%
  • 10+ units12.7%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$772,400
Median rent$2,287
Owner-occupied73.5%
Vacant9.1%
Price-to-income6.4x
Est. income to buy$213,000