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Kapaa CDP, HI

ZIP 96746 — 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 96746

Median Home Value
$830,500
Median Rent
$1,833
Affordability Snapshot
$229,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,335/mo PITI).

25%
Rent-to-Income Ratio

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

9.3x
Home Price-to-Income Ratio

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

37.8 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 96746 in Kapaa 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 $5,335. That is about 155% above the local median household income ($89,681), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.3%+4% vs US avg
x
Vacancy Rate
16.9%+65% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
38.3%+0% vs US avg
x
$830,500
Home Value
$1,833
Rent
1983
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 detached75.9%
  • 1-unit attached4.8%
  • 2-9 units6.2%
  • 10+ units12.8%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$830,500
Median rent$1,833
Owner-occupied68.3%
Vacant16.9%
Price-to-income9.3x
Est. income to buy$229,000