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Urban Honolulu CDP, HI

ZIP 96814 — 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 96814

Median Home Value
$706,500
Median Rent
$1,646
Affordability Snapshot
$194,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,538/mo PITI).

26%
Rent-to-Income Ratio

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

9.1x
Home Price-to-Income Ratio

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

35.8 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 96814 in Urban Honolulu CDP, HI, a household would need roughly $194,000 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 $4,538. That is about 151% above the local median household income ($77,336), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.4%-24% vs US avg
x
Vacancy Rate
17.4%+69% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
2.0%-70% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$706,500
Home Value
$1,646
Rent
1987
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached4.3%
  • 1-unit attached2.6%
  • 2-9 units7.1%
  • 10+ units85.7%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$706,500
Median rent$1,646
Owner-occupied49.4%
Vacant17.4%
Price-to-income9.1x
Est. income to buy$194,000