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Volcano CDP, HI

ZIP 96785 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96785

Median Home Value
$330,500
Median Rent
$961
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,123/mo PITI).

18%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

28.7 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 96785 in Volcano CDP, HI, a household would need roughly $91,000 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 $2,123. That is about 42% above the local median household income ($64,213), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.1%+26% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
53.2%+39% vs US avg
x
$330,500
Home Value
$961
Rent
1996
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached98.8%
  • 1-unit attached0.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$330,500
Median rent$961
Owner-occupied82.1%
Vacant17.6%
Price-to-income5.1x
Est. income to buy$91,000