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Olinda CDP, HI

ZIP 96768 — 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 96768

Median Home Value
$905,400
Median Rent
$1,651
Affordability Snapshot
$249,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,816/mo PITI).

19%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

45.7 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 96768 in Olinda 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 $5,816. That is about 135% above the local median household income ($105,942), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.7%-4% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.1%-56% vs US avg
x
Mortgage-Free
32.2%-16% vs US avg
x
$905,400
Home Value
$1,651
Rent
1984
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached85.8%
  • 1-unit attached9.0%
  • 2-9 units2.0%
  • 10+ units2.6%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$905,400
Median rent$1,651
Owner-occupied62.7%
Vacant4.0%
Price-to-income8.5x
Est. income to buy$249,000