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Paauilo CDP, HI

ZIP 96776 — 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 96776

Median Home Value
$409,500
Median Rent
N/A
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,631/mo PITI).

5.5x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 96776 in Paauilo CDP, HI, a household would need roughly $113,000 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 $2,631. That is about 52% above the local median household income ($74,536), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.5%+11% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
74.9%-14% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
12.1%-6% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
1.3%-97% vs US avg
x
Mortgage-Free
55.9%+46% vs US avg
x
$409,500
Home Value
N/A
Rent
1967
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 detached89.7%
  • 1-unit attached0.4%
  • 2-9 units9.9%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$409,500
Median rent$-666,666,666
Owner-occupied72.5%
Vacant20.6%
Price-to-income5.5x
Est. income to buy$113,000