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Laupahoehoe CDP, HI

ZIP 96764 — 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 96764

Median Home Value
$598,800
Median Rent
$1,324
Affordability Snapshot
$165,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,847/mo PITI).

22%
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.

37.7 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 96764 in Laupahoehoe CDP, HI, a household would need roughly $165,000 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 $3,847. That is about 126% above the local median household income ($72,917), 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
59.8%-9% vs US avg
x
Vacancy Rate
24.0%+133% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
12.5%-16% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
75.6%+98% vs US avg
x
$598,800
Home Value
$1,324
Rent
1960
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached96.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$598,800
Median rent$1,324
Owner-occupied59.8%
Vacant24.0%
Price-to-income8.2x
Est. income to buy$165,000