US5.com
  1. Home
  2. States
  3. Hawaii
  4. ZIP 96813
  5. Housing & Real Estate
Urban Honolulu CDP, HI

ZIP 96813 — 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 96813

Median Home Value
$804,100
Median Rent
$1,669
Affordability Snapshot
$221,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,165/mo PITI).

23%
Rent-to-Income Ratio

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

9.2x
Home Price-to-Income Ratio

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

40.1 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 96813 in Urban Honolulu CDP, HI, a household would need roughly $221,000 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 $5,165. That is about 152% above the local median household income ($87,799), 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
54.8%-16% vs US avg
x
Vacancy Rate
8.2%-20% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
26.7%-46% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$804,100
Home Value
$1,669
Rent
1985
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached18.7%
  • 1-unit attached5.3%
  • 2-9 units8.5%
  • 10+ units67.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$804,100
Median rent$1,669
Owner-occupied54.8%
Vacant8.2%
Price-to-income9.2x
Est. income to buy$221,000