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Pearl City CDP, HI

ZIP 96701 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96701

Median Home Value
$913,300
Median Rent
$1,802
Affordability Snapshot
$251,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,867/mo PITI).

20%
Rent-to-Income Ratio

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

8.5x
Home Price-to-Income Ratio

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

42.2 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 96701 in Pearl City CDP, HI, a household would need roughly $251,000 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 $5,867. That is about 133% above the local median household income ($107,888), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
5.6%-46% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$913,300
Home Value
$1,802
Rent
1975
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached52.5%
  • 1-unit attached9.5%
  • 2-9 units11.9%
  • 10+ units26.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$913,300
Median rent$1,802
Owner-occupied69.2%
Vacant5.6%
Price-to-income8.5x
Est. income to buy$251,000