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Pupukea CDP, HI

ZIP 96712 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96712

Median Home Value
$1,264,300
Median Rent
$2,006
Affordability Snapshot
$348,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,122/mo PITI).

25%
Rent-to-Income Ratio

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

12.9x
Home Price-to-Income Ratio

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

52.5 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 96712 in Pupukea CDP, HI, a household would need roughly $348,000 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 $8,122. That is about 256% above the local median household income ($97,771), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
52.4%-20% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
8.5%-42% vs US avg
x
Built Pre-1939
8.8%-32% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$1,264,300
Home Value
$2,006
Rent
1973
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached70.8%
  • 1-unit attached14.7%
  • 2-9 units7.1%
  • 10+ units7.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,264,300
Median rent$2,006
Owner-occupied52.4%
Vacant11.0%
Price-to-income12.9x
Est. income to buy$348,000