US5.com
  1. Home
  2. States
  3. Hawaii
  4. ZIP 96821
  5. Housing & Real Estate
East Honolulu CDP, HI

ZIP 96821 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96821

Median Home Value
$1,457,700
Median Rent
$2,650
Affordability Snapshot
$401,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,364/mo PITI).

18%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

45.8 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 96821 in East Honolulu CDP, HI, a household would need roughly $401,000 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 $9,364. That is about 130% above the local median household income ($174,152), 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
85.7%+31% vs US avg
x
Vacancy Rate
8.9%-13% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
12.8%-14% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
41.2%+8% vs US avg
x
$1,457,700
Home Value
$2,650
Rent
1969
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached86.2%
  • 1-unit attached6.7%
  • 2-9 units2.8%
  • 10+ units3.7%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,457,700
Median rent$2,650
Owner-occupied85.7%
Vacant8.9%
Price-to-income8.4x
Est. income to buy$401,000