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Hawaiian Ocean View CDP, HI

ZIP 96737 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96737

Median Home Value
$232,000
Median Rent
$829
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,490/mo PITI).

22%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

23.3 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 96737 in Hawaiian Ocean View CDP, HI, a household would need roughly $64,000 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 $1,490. That is about 39% above the local median household income ($46,200), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.7%+14% vs US avg
x
Vacancy Rate
28.1%+173% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
32.5%-35% vs US avg
x
Mortgage-Free
50.1%+31% vs US avg
x
$232,000
Home Value
$829
Rent
2000
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached86.7%
  • 1-unit attached2.2%
  • 2-9 units0.0%
  • 10+ units4.8%
  • Mobile home & other6.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$232,000
Median rent$829
Owner-occupied74.7%
Vacant28.1%
Price-to-income5.0x
Est. income to buy$64,000