Median home value in zip code 96785 (Volcano, HI) is $360,947, down 1.1% year over year. Part of the Hilo, HI metropolitan area.

Home Value$360,947

YoY Change

-1.1%

Prices falling — better for buyers.

Affordability

Enter your income for 96785 (Volcano).

Income (annual)

Down Payment

$72,189 on $360,947

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

Stretch32.1% of income

Above 28% but manageable with cuts.

PITI$2,009

P/I32.1%

Afford$314K

Gap-$47K

P&I $1,825Tax $84Ins $100

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

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

Metro Analysis

96785 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.

View Hilo, HI analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.