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Pahala CDP, HI

ZIP 96777 — 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 96777

Median Home Value
$227,200
Median Rent
$625
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,459/mo PITI).

12%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

30.3 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 96777 in Pahala CDP, HI, a household would need roughly $63,000 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 $1,459. That is roughly in line with the local median household income ($63,438). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.2%+29% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
46.1%+21% vs US avg
x
$227,200
Home Value
$625
Rent
1976
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached88.1%
  • 1-unit attached1.9%
  • 2-9 units10.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$227,200
Median rent$625
Owner-occupied84.2%
Vacant13.3%
Price-to-income3.6x
Est. income to buy$63,000