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Lanai City CDP, HI

ZIP 96763 — 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 96763

Median Home Value
$558,800
Median Rent
$861
Affordability Snapshot
$154,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,590/mo PITI).

13%
Rent-to-Income Ratio

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

7.0x
Home Price-to-Income Ratio

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

54.1 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 96763 in Lanai City CDP, HI, a household would need roughly $154,000 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 $3,590. That is about 93% above the local median household income ($79,808), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.5%-24% vs US avg
x
Vacancy Rate
22.2%+115% vs US avg
x
Broadband Access
77.8%-11% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
55.8%+46% vs US avg
x
$558,800
Home Value
$861
Rent
1977
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached75.8%
  • 1-unit attached0.6%
  • 2-9 units21.6%
  • 10+ units2.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$558,800
Median rent$861
Owner-occupied49.5%
Vacant22.2%
Price-to-income7.0x
Est. income to buy$154,000