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Waikapu CDP, HI

ZIP 96793 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96793

Median Home Value
$776,100
Median Rent
$1,489
Affordability Snapshot
$214,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,985/mo PITI).

17%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

43.4 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 96793 in Waikapu CDP, HI, a household would need roughly $214,000 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 $4,985. That is about 105% above the local median household income ($104,220), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.5%+14% vs US avg
x
Vacancy Rate
11.4%+11% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
25.1%-49% vs US avg
x
Mortgage-Free
32.6%-15% vs US avg
x
$776,100
Home Value
$1,489
Rent
1989
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached63.8%
  • 1-unit attached9.5%
  • 2-9 units11.2%
  • 10+ units14.5%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$776,100
Median rent$1,489
Owner-occupied74.5%
Vacant11.4%
Price-to-income7.4x
Est. income to buy$214,000