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Papaikou CDP, HI

ZIP 96781 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96781

Median Home Value
$787,700
Median Rent
$1,243
Affordability Snapshot
$217,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,060/mo PITI).

16%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

52.8 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 96781 in Papaikou CDP, HI, a household would need roughly $217,000 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 $5,060. That is about 131% above the local median household income ($94,083), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.4%+27% vs US avg
x
Vacancy Rate
23.5%+129% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
10.5%-29% vs US avg
x
Built Pre-1939
9.7%-24% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
50.9%+33% vs US avg
x
$787,700
Home Value
$1,243
Rent
1977
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached95.2%
  • 1-unit attached3.0%
  • 2-9 units1.1%
  • 10+ units0.2%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$787,700
Median rent$1,243
Owner-occupied83.4%
Vacant23.5%
Price-to-income8.4x
Est. income to buy$217,000