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Urban Honolulu CDP, HI

ZIP 96822 — 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 96822

Median Home Value
$985,100
Median Rent
$1,608
Affordability Snapshot
$271,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,328/mo PITI).

20%
Rent-to-Income Ratio

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

10.3x
Home Price-to-Income Ratio

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

51.1 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 96822 in Urban Honolulu CDP, HI, a household would need roughly $271,000 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 $6,328. That is about 183% above the local median household income ($95,594), 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
53.5%-18% vs US avg
x
Vacancy Rate
6.1%-40% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
46.8%+22% vs US avg
x
$985,100
Home Value
$1,608
Rent
1971
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached32.8%
  • 1-unit attached5.1%
  • 2-9 units10.8%
  • 10+ units51.1%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$985,100
Median rent$1,608
Owner-occupied53.5%
Vacant6.1%
Price-to-income10.3x
Est. income to buy$271,000