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Honomu CDP, HI

ZIP 96728 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96728

Median Home Value
$433,800
Median Rent
$1,341
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,787/mo PITI).

23%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

27.0 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 96728 in Honomu CDP, HI, a household would need roughly $119,000 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 $2,787. That is about 72% above the local median household income ($69,063), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
20.2%+96% vs US avg
x
Broadband Access
86.7%-0% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
12.6%-1% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
37.2%-3% vs US avg
x
$433,800
Home Value
$1,341
Rent
1959
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached98.0%
  • 1-unit attached0.0%
  • 2-9 units2.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$433,800
Median rent$1,341
Owner-occupied76.6%
Vacant20.2%
Price-to-income6.3x
Est. income to buy$119,000