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Laie CDP, HI

ZIP 96762 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96762

Median Home Value
$962,400
Median Rent
$2,304
Affordability Snapshot
$265,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,182/mo PITI).

24%
Rent-to-Income Ratio

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

8.2x
Home Price-to-Income Ratio

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

34.8 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 96762 in Laie CDP, HI, a household would need roughly $265,000 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 $6,182. That is about 127% above the local median household income ($116,736), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
42.7%-35% vs US avg
x
Vacancy Rate
24.1%+134% vs US avg
x
Broadband Access
97.6%+12% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
22.9%-40% vs US avg
x
$962,400
Home Value
$2,304
Rent
1975
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 detached36.7%
  • 1-unit attached42.4%
  • 2-9 units19.6%
  • 10+ units1.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$962,400
Median rent$2,304
Owner-occupied42.7%
Vacant24.1%
Price-to-income8.2x
Est. income to buy$265,000