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Waiahole-Waikane CDP, HI

ZIP 96744 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96744

Median Home Value
$1,001,400
Median Rent
$2,126
Affordability Snapshot
$276,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,433/mo PITI).

20%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

39.3 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 96744 in Waiahole-Waikane CDP, HI, a household would need roughly $276,000 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 $6,433. That is about 114% above the local median household income ($129,263), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.7%+17% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
9.4%-36% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
21.3%-57% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$1,001,400
Home Value
$2,126
Rent
1973
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached68.6%
  • 1-unit attached10.2%
  • 2-9 units11.0%
  • 10+ units10.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,001,400
Median rent$2,126
Owner-occupied76.7%
Vacant4.4%
Price-to-income7.7x
Est. income to buy$276,000