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Waimanalo CDP, HI

ZIP 96795 — 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 96795

Median Home Value
$746,700
Median Rent
$1,595
Affordability Snapshot
$206,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,797/mo PITI).

16%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

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

39.0 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 96795 in Waimanalo CDP, HI, a household would need roughly $206,000 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 $4,797. That is about 74% above the local median household income ($118,365), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
15.7%+6% vs US avg
x
Built Pre-1939
8.9%-30% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
18.2%-63% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$746,700
Home Value
$1,595
Rent
1975
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 detached69.4%
  • 1-unit attached18.3%
  • 2-9 units7.6%
  • 10+ units4.2%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$746,700
Median rent$1,595
Owner-occupied78.7%
Vacant5.8%
Price-to-income6.3x
Est. income to buy$206,000