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Kualapuu CDP, HI

ZIP 96770 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96770

Median Home Value
$362,300
Median Rent
$887
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,327/mo PITI).

19%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

34.0 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 96770 in Kualapuu CDP, HI, a household would need roughly $100,000 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 $2,327. That is about 77% above the local median household income ($56,591), 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 64% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
50.8%-22% vs US avg
x
Vacancy Rate
63.6%+517% vs US avg
x
Broadband Access
70.1%-19% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.2%-77% vs US avg
x
Mortgage-Free
70.5%+85% vs US avg
x
$362,300
Home Value
$887
Rent
1979
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached23.5%
  • 1-unit attached15.5%
  • 2-9 units29.0%
  • 10+ units32.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$362,300
Median rent$887
Owner-occupied50.8%
Vacant63.6%
Price-to-income6.4x
Est. income to buy$100,000