Median home value in zip code 96781 (Papaikou, HI) is $527,657, up 0.9% year over year. Part of the Hilo, HI metropolitan area.

Home Value$527,657

YoY Change

+0.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 96781 (Papaikou).

Income (annual)

Down Payment

$105,531 on $527,657

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

Out of reach46.3% of income

Need $123,900/yr to afford.

PITI$2,891

P/I46.3%

Afford$319K

Gap-$208K

P&I $2,668Tax $123Ins $100

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

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

Metro Analysis

96781 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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