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Waikoloa Village CDP, HI

ZIP 96738 — 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 96738

Median Home Value
$686,700
Median Rent
$2,011
Affordability Snapshot
$189,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,411/mo PITI).

27%
Rent-to-Income Ratio

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

7.6x
Home Price-to-Income Ratio

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

28.5 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 96738 in Waikoloa Village CDP, HI, a household would need roughly $189,000 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 $4,411. That is about 109% above the local median household income ($90,545), 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 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
43.3%+320% vs US avg
x
Broadband Access
94.4%+8% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.6%-61% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$686,700
Home Value
$2,011
Rent
1995
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached46.4%
  • 1-unit attached1.7%
  • 2-9 units35.1%
  • 10+ units16.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$686,700
Median rent$2,011
Owner-occupied78.4%
Vacant43.3%
Price-to-income7.6x
Est. income to buy$189,000