ZIP 96778 — Housing & Real Estate

To comfortably buy a median-priced home in ZIP 96778 in Hawaiian Beaches CDP, HI, a household would need roughly $66,000 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 $1,549. That is about 89% above the local median household income ($34,863), 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.