US5.com
  1. Home
  2. States
  3. Hawaii
  4. ZIP 96779
  5. Housing & Real Estate
Paia CDP, HI

ZIP 96779 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96779

Median Home Value
$946,000
Median Rent
$2,471
Affordability Snapshot
$260,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,077/mo PITI).

26%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

31.9 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 96779 in Paia CDP, HI, a household would need roughly $260,000 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 $6,077. That is about 124% above the local median household income ($115,833), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.8%-2% vs US avg
x
Vacancy Rate
16.7%+62% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
11.2%-13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
52.3%+5% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$946,000
Home Value
$2,471
Rent
1978
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 detached78.1%
  • 1-unit attached6.9%
  • 2-9 units11.1%
  • 10+ units1.6%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$946,000
Median rent$2,471
Owner-occupied63.8%
Vacant16.7%
Price-to-income8.2x
Est. income to buy$260,000