Real Estate Investing in Holualoa, Hawaii (96725)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 96725 (Holualoa, HI)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 9.9% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 39.9 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Holualoa, HI (96725)?
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Market Analysis: 96725 Holualoa
Investors eyeing 96725 need to respect the fundamentals at play. Home values of $1.0M come alongside slower price movement and elevated management overhead.
The investment case in 96725 is impressive only for operators who understand what they are buying. A $1.0M median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
ZIP 96725's metrics run below Hawaii County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Employment concentration in 96725 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategically, 96725 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Holualoa:
Property Strategy for 96725
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $591,231 | $2,390 | 2.9% | +4.9% | $295,616 |
| 3BR | $1,088,605 | $3,020 | 2.0% | +7.9% | $362,868 |
| 4BR | $1,481,379 | $3,480 | 1.7% | +9.4% | $370,345 |
Market Trends
Home Value History (with trend line)
📊 How Does 96725 Compare?
| Metric | 96725 | Holualoa | Hilo, HI | Hawaii |
|---|---|---|---|---|
| Home Value | $1,030,488 | $1,030,488 | N/A | $824,731 |
| 5-Year CAGR | 4.5% | 4.5% | N/A | 5.4% |
| Avg Rent | $2,151 | $2,151 | N/A | - |
| Cap Rate | 1.6% | 1.6% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 96725 (Holualoa, HI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $1,030,488 |
| Monthly Rent | $2,151 |
| Price-to-Rent | 39.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.5% |
| Cap Rate | 1.6% |
| 5-Year IRR | 6.1% |
📈 Home Appreciation
| 1-Year | +0.7% ▲ |
| 3-Year CAGR | +1.0% ▲ |
| 5-Year CAGR | +4.5% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 96725
Population: 4,672
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 96725
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the typical vacancy rate in Holualoa, HI?
Rental vacancy in Holualoa, HI is elevated. Investors should budget normal turnover but not chronic empty units.
What real estate strategy is ideal for Holualoa, HI?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Holualoa, HI. The numbers - $1.0M homes against $2,151/mo rents - support that play.
Is Holualoa, HI landlord-friendly?
Landlord-friendliness in Holualoa, HI is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
Can I house hack in Holualoa, HI?
The house hack math a tougher in Holualoa, HI. Owner-occupant buyers benefit from the $2,151/mo rents and $1.0M home values.
Is housing expensive in Holualoa, HI?
Typical homes in Holualoa, HI go for around $1.0M. The 5-year CAGR of 0.0% stable price movement.
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How 96725 ranks in Hilo, HI
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