Median home value in zip code 96738 (Waikoloa, HI) is $825,501, down 0.2% year over year. Part of the Hilo, HI metropolitan area.

Home Value$825,501

YoY Change

-0.2%

Prices falling — better for buyers.

Affordability

Enter your income for 96738 (Waikoloa).

Income (annual)

Down Payment

$165,100 on $825,501

Example: $75,000 household income. Change it above to see your own.

Out of reach71.5% of income

Need $191,443/yr to afford.

PITI$4,467

P/I71.5%

Afford$323K

Gap-$502K

P&I $4,174Tax $193Ins $100

6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

96738 is part of the Hilo, HI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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