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Urban Honolulu CDP, HI

ZIP 96817 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96817

Median Home Value
$930,000
Median Rent
$1,298
Affordability Snapshot
$256,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,974/mo PITI).

21%
Rent-to-Income Ratio

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

12.5x
Home Price-to-Income Ratio

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

59.7 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 96817 in Urban Honolulu CDP, HI, a household would need roughly $256,000 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 $5,974. That is about 243% above the local median household income ($74,690), 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
43.1%-34% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
7.8%-48% vs US avg
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$930,000
Home Value
$1,298
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 detached31.5%
  • 1-unit attached6.7%
  • 2-9 units11.2%
  • 10+ units50.4%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$930,000
Median rent$1,298
Owner-occupied43.1%
Vacant8.4%
Price-to-income12.5x
Est. income to buy$256,000