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Kahului CDP, HI

ZIP 96732 — 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 96732

Median Home Value
$832,700
Median Rent
$1,292
Affordability Snapshot
$229,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,349/mo PITI).

16%
Rent-to-Income Ratio

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

8.8x
Home Price-to-Income Ratio

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

53.7 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 96732 in Kahului CDP, HI, a household would need roughly $229,000 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 $5,349. That is about 143% above the local median household income ($94,360), 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
63.4%-3% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
84.6%-3% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
33.9%-11% vs US avg
x
$832,700
Home Value
$1,292
Rent
1979
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 detached71.2%
  • 1-unit attached11.3%
  • 2-9 units3.9%
  • 10+ units11.9%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$832,700
Median rent$1,292
Owner-occupied63.4%
Vacant6.9%
Price-to-income8.8x
Est. income to buy$229,000