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Urban Honolulu CDP, HI

ZIP 96815 — 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 96815

Median Home Value
$627,600
Median Rent
$1,817
Affordability Snapshot
$173,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,032/mo PITI).

29%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

28.8 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 96815 in Urban Honolulu CDP, HI, a household would need roughly $173,000 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 $4,032. That is about 131% above the local median household income ($75,020), 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 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
44.6%-32% vs US avg
x
Vacancy Rate
34.2%+232% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
28.1%-44% vs US avg
x
Mortgage-Free
51.6%+35% vs US avg
x
$627,600
Home Value
$1,817
Rent
1973
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached9.7%
  • 1-unit attached1.7%
  • 2-9 units3.9%
  • 10+ units84.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$627,600
Median rent$1,817
Owner-occupied44.6%
Vacant34.2%
Price-to-income8.4x
Est. income to buy$173,000