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Punaluu CDP, HI

ZIP 96717 — 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 96717

Median Home Value
$874,000
Median Rent
$2,144
Affordability Snapshot
$241,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,614/mo PITI).

24%
Rent-to-Income Ratio

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

8.3x
Home Price-to-Income Ratio

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

34.0 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 96717 in Punaluu CDP, HI, a household would need roughly $241,000 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 $5,614. That is about 129% above the local median household income ($105,357), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
52.7%-19% vs US avg
x
Vacancy Rate
28.5%+176% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
6.6%-49% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
26.7%-30% vs US avg
x
$874,000
Home Value
$2,144
Rent
1976
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 detached62.0%
  • 1-unit attached14.9%
  • 2-9 units8.5%
  • 10+ units13.8%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$874,000
Median rent$2,144
Owner-occupied52.7%
Vacant28.5%
Price-to-income8.3x
Est. income to buy$241,000