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Pepeekeo CDP, HI

ZIP 96783 — 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 96783

Median Home Value
$485,400
Median Rent
N/A
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,118/mo PITI).

7.4x
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 96783 in Pepeekeo CDP, HI, a household would need roughly $134,000 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 $3,118. That is about 105% above the local median household income ($65,313), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
56.9%-13% vs US avg
x
Vacancy Rate
16.4%+59% vs US avg
x
Broadband Access
76.5%-12% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
40.1%+5% vs US avg
x
$485,400
Home Value
N/A
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 detached70.2%
  • 1-unit attached1.4%
  • 2-9 units28.3%
  • 10+ units0.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$485,400
Median rent$-666,666,666
Owner-occupied56.9%
Vacant16.4%
Price-to-income7.4x
Est. income to buy$134,000