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Lahaina CDP, HI

ZIP 96761 — 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 96761

Median Home Value
$905,800
Median Rent
$1,909
Affordability Snapshot
$249,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,819/mo PITI).

24%
Rent-to-Income Ratio

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

9.6x
Home Price-to-Income Ratio

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

39.5 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 96761 in Lahaina CDP, HI, a household would need roughly $249,000 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 $5,819. That is about 164% above the local median household income ($94,229), 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 40% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.1%-8% vs US avg
x
Vacancy Rate
40.4%+292% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$905,800
Home Value
$1,909
Rent
1980
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 detached37.4%
  • 1-unit attached6.0%
  • 2-9 units22.7%
  • 10+ units33.6%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$905,800
Median rent$1,909
Owner-occupied60.1%
Vacant40.4%
Price-to-income9.6x
Est. income to buy$249,000