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Royal Kunia CDP, HI

ZIP 96797 — 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 96797

Median Home Value
$798,600
Median Rent
$1,707
Affordability Snapshot
$220,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,130/mo PITI).

19%
Rent-to-Income Ratio

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

7.3x
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 96797 in Royal Kunia CDP, HI, a household would need roughly $220,000 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 $5,130. That is about 100% above the local median household income ($110,036), 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
67.9%+4% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
7.6%-48% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
25.7%-33% vs US avg
x
$798,600
Home Value
$1,707
Rent
1983
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached53.1%
  • 1-unit attached8.9%
  • 2-9 units25.3%
  • 10+ units12.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$798,600
Median rent$1,707
Owner-occupied67.9%
Vacant5.0%
Price-to-income7.3x
Est. income to buy$220,000