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Waimea CDP, HI

ZIP 96743 — 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 96743

Median Home Value
$724,700
Median Rent
$1,731
Affordability Snapshot
$199,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,655/mo PITI).

21%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

34.9 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 96743 in Waimea CDP, HI, a household would need roughly $199,000 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 $4,655. That is about 103% above the local median household income ($98,177), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
24.9%+142% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
8.0%-84% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$724,700
Home Value
$1,731
Rent
1996
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 detached72.1%
  • 1-unit attached5.2%
  • 2-9 units18.4%
  • 10+ units3.3%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$724,700
Median rent$1,731
Owner-occupied77.7%
Vacant24.9%
Price-to-income7.4x
Est. income to buy$199,000