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Kaaawa CDP, HI

ZIP 96730 — 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 96730

Median Home Value
$982,100
Median Rent
$1,910
Affordability Snapshot
$270,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,309/mo PITI).

20%
Rent-to-Income Ratio

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

8.8x
Home Price-to-Income Ratio

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

42.8 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 96730 in Kaaawa CDP, HI, a household would need roughly $270,000 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 $6,309. That is about 141% above the local median household income ($112,237), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.4%+0% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
43.1%-13% vs US avg
x
Mortgage-Free
12.4%-68% vs US avg
x
$982,100
Home Value
$1,910
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 detached74.2%
  • 1-unit attached8.1%
  • 2-9 units9.0%
  • 10+ units8.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$982,100
Median rent$1,910
Owner-occupied65.4%
Vacant14.1%
Price-to-income8.8x
Est. income to buy$270,000