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Mililani Town CDP, HI

ZIP 96789 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96789

Median Home Value
$871,000
Median Rent
$2,043
Affordability Snapshot
$240,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,595/mo PITI).

19%
Rent-to-Income Ratio

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

6.9x
Home Price-to-Income Ratio

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

35.5 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 96789 in Mililani Town CDP, HI, a household would need roughly $240,000 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 $5,595. That is about 91% above the local median household income ($125,822), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
80.0%+22% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
95.8%+10% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
24.2%-51% vs US avg
x
Mortgage-Free
26.5%-31% vs US avg
x
$871,000
Home Value
$2,043
Rent
1985
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached58.7%
  • 1-unit attached7.9%
  • 2-9 units21.1%
  • 10+ units12.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$871,000
Median rent$2,043
Owner-occupied80.0%
Vacant3.1%
Price-to-income6.9x
Est. income to buy$240,000