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Haiku-Pauwela CDP, HI

ZIP 96708 — 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 96708

Median Home Value
$1,032,800
Median Rent
$2,115
Affordability Snapshot
$284,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,634/mo PITI).

26%
Rent-to-Income Ratio

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

10.4x
Home Price-to-Income Ratio

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

40.7 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 96708 in Haiku-Pauwela CDP, HI, a household would need roughly $284,000 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 $6,634. That is about 186% above the local median household income ($99,224), 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
66.9%+2% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
6.0%-60% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
16.1%-68% vs US avg
x
Mortgage-Free
38.4%+1% vs US avg
x
$1,032,800
Home Value
$2,115
Rent
1990
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 detached87.0%
  • 1-unit attached7.0%
  • 2-9 units6.1%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,032,800
Median rent$2,115
Owner-occupied66.9%
Vacant9.9%
Price-to-income10.4x
Est. income to buy$284,000