US5.com
  1. Home
  2. States
  3. Hawaii
  4. ZIP 96790
  5. Housing & Real Estate
Kula CDP, HI

ZIP 96790 — 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 96790

Median Home Value
$1,039,900
Median Rent
$2,029
Affordability Snapshot
$286,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,680/mo PITI).

26%
Rent-to-Income Ratio

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

11.3x
Home Price-to-Income Ratio

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

42.7 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 96790 in Kula CDP, HI, a household would need roughly $286,000 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 $6,680. That is about 210% above the local median household income ($92,313), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+9% vs US avg
x
Vacancy Rate
12.2%+18% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$1,039,900
Home Value
$2,029
Rent
1984
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached94.8%
  • 1-unit attached3.9%
  • 2-9 units0.8%
  • 10+ units0.4%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,039,900
Median rent$2,029
Owner-occupied71.0%
Vacant12.2%
Price-to-income11.3x
Est. income to buy$286,000