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Urban Honolulu CDP, HI

ZIP 96826 — 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 96826

Median Home Value
$485,200
Median Rent
$1,454
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,117/mo PITI).

26%
Rent-to-Income Ratio

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

7.2x
Home Price-to-Income Ratio

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

27.8 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 96826 in Urban Honolulu CDP, HI, a household would need roughly $134,000 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 $3,117. That is about 98% above the local median household income ($67,743), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
32.7%-50% vs US avg
x
Vacancy Rate
11.9%+16% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
47.1%+23% vs US avg
x
$485,200
Home Value
$1,454
Rent
1973
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 detached8.2%
  • 1-unit attached2.4%
  • 2-9 units19.9%
  • 10+ units69.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$485,200
Median rent$1,454
Owner-occupied32.7%
Vacant11.9%
Price-to-income7.2x
Est. income to buy$134,000