US5.com
  1. Home
  2. States
  3. Hawaii
  4. ZIP 96796
  5. Housing & Real Estate
Waimea CDP, HI

ZIP 96796 — 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 96796

Median Home Value
$573,900
Median Rent
$1,410
Affordability Snapshot
$158,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,687/mo PITI).

19%
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.

33.9 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 96796 in Waimea CDP, HI, a household would need roughly $158,000 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 $3,687. That is about 81% above the local median household income ($87,222), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
44.9%-31% vs US avg
x
Vacancy Rate
12.7%+24% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
59.6%+56% vs US avg
x
$573,900
Home Value
$1,410
Rent
1972
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 detached70.4%
  • 1-unit attached2.9%
  • 2-9 units19.9%
  • 10+ units6.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$573,900
Median rent$1,410
Owner-occupied44.9%
Vacant12.7%
Price-to-income6.6x
Est. income to buy$158,000