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Kahuku CDP, HI

ZIP 96731 — 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 96731

Median Home Value
$812,500
Median Rent
$895
Affordability Snapshot
$224,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,219/mo PITI).

15%
Rent-to-Income Ratio

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

11.1x
Home Price-to-Income Ratio

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

75.7 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 96731 in Kahuku CDP, HI, a household would need roughly $224,000 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 $5,219. That is about 205% above the local median household income ($73,393), 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 39% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.3%-3% vs US avg
x
Vacancy Rate
38.7%+276% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.6%-30% vs US avg
x
Mortgage-Free
30.7%-20% vs US avg
x
$812,500
Home Value
$895
Rent
1978
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 detached47.9%
  • 1-unit attached10.2%
  • 2-9 units31.5%
  • 10+ units10.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$812,500
Median rent$895
Owner-occupied63.3%
Vacant38.7%
Price-to-income11.1x
Est. income to buy$224,000