US5.com
  1. Home
  2. States
  3. Hawaii
  4. ZIP 96792
  5. Housing & Real Estate
Waianae CDP, HI

ZIP 96792 — 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 96792

Median Home Value
$551,400
Median Rent
$1,526
Affordability Snapshot
$152,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,542/mo PITI).

22%
Rent-to-Income Ratio

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

6.6x
Home Price-to-Income Ratio

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

30.1 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 96792 in Waianae CDP, HI, a household would need roughly $152,000 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 $3,542. That is about 81% above the local median household income ($83,927), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.3%-6% vs US avg
x
Vacancy Rate
14.5%+41% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
37.0%-26% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$551,400
Home Value
$1,526
Rent
1978
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached61.8%
  • 1-unit attached7.0%
  • 2-9 units15.3%
  • 10+ units15.4%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$551,400
Median rent$1,526
Owner-occupied61.3%
Vacant14.5%
Price-to-income6.6x
Est. income to buy$152,000