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Eleele CDP, HI

ZIP 96705 — 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 96705

Median Home Value
$684,900
Median Rent
$1,328
Affordability Snapshot
$189,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,400/mo PITI).

13%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

43.0 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 96705 in Eleele CDP, HI, a household would need roughly $189,000 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 $4,400. That is about 57% above the local median household income ($120,577), 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
68.6%+5% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
1.5%-97% vs US avg
x
Mortgage-Free
23.9%-37% vs US avg
x
$684,900
Home Value
$1,328
Rent
1989
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached83.1%
  • 1-unit attached6.6%
  • 2-9 units10.4%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$684,900
Median rent$1,328
Owner-occupied68.6%
Vacant4.8%
Price-to-income5.7x
Est. income to buy$189,000