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Kaunakakai CDP, HI

ZIP 96748 — 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 96748

Median Home Value
$355,500
Median Rent
$821
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,284/mo PITI).

13%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

36.1 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 96748 in Kaunakakai CDP, HI, a household would need roughly $98,000 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 $2,284. That is about 27% above the local median household income ($76,974), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.1%-7% vs US avg
x
Vacancy Rate
25.7%+150% vs US avg
x
Broadband Access
76.9%-12% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
31.8%-36% vs US avg
x
Mortgage-Free
58.0%+52% vs US avg
x
$355,500
Home Value
$821
Rent
1976
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached77.9%
  • 1-unit attached5.6%
  • 2-9 units5.2%
  • 10+ units11.2%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,500
Median rent$821
Owner-occupied61.1%
Vacant25.7%
Price-to-income4.6x
Est. income to buy$98,000