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Wheeler AFB CDP, HI

ZIP 96786 — 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 96786

Median Home Value
$724,400
Median Rent
$2,756
Affordability Snapshot
$199,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,653/mo PITI).

40%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

8.7x
Home Price-to-Income Ratio

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

21.9 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 96786 in Wheeler AFB CDP, HI, a household would need roughly $199,000 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 $4,653. That is about 138% above the local median household income ($83,488), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
29.8%-54% vs US avg
x
Vacancy Rate
8.9%-14% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
6.6%-49% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
38.7%-22% vs US avg
x
Mortgage-Free
37.3%-2% vs US avg
x
$724,400
Home Value
$2,756
Rent
1977
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached36.7%
  • 1-unit attached31.8%
  • 2-9 units20.9%
  • 10+ units10.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$724,400
Median rent$2,756
Owner-occupied29.8%
Vacant8.9%
Price-to-income8.7x
Est. income to buy$199,000