Real Estate Investing in Kilauea, Hawaii (96754)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Kauai County • Population: 4,172 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 96754 (Kilauea, HI)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (36/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 21.7% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 76.9 — 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 Kilauea, HI (96754)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $2,208,368
Avg Monthly Rent $2,394
1% Rule ✗ Does Not Meet
Median Income $84,375
% Renters 22.5%

Market Analysis: 96754 Kilauea

Not every below-median market is a bargain. Kilauea's 96754 ZIP posts signals that favor experienced operators who can absorb the risk $2.2M pricing implies.

Distressed markets are won on execution, not on spreadsheets. ZIP 96754 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Within HI, ZIP 96754 trails on several market indicators that neighboring Kauai County submarkets outperform. The gap is real and resilient enough to shape underwriting.

Who lives in 96754 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Kilauea's stable or hybrid ZIPs before stepping into 96754. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Kilauea:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 26.2× the median income
Value Trend
Stable (+1.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,394/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Kapaa, HI Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
5.5%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Kapaa, HI metro data
🏠

Property Strategy for 96754

Which property type performs best in this market?

Best for Cash Flow
3BR
1.4% cap rate
Best for Appreciation
1BR
+9.5% 5yr CAGR
Best Overall Value
3BR
$554,355/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $1,972,845 $2,030 0.7% +9.5% $1,972,845
2BR $2,106,483 $2,660 0.9% +8.8% $1,053,242
3BR $1,663,064 $3,270 1.4% +9.0% $554,355
4BR $3,115,484 $3,630 0.8% +8.7% $778,871
5BR $4,370,007 +7.5% $874,001

Market Trends

Home Value History (with trend line)

$2.3M$2.0M$1.6M$1.3M$943K$596KJul 2006Jul 2016Jul 2026

📊 How Does 96754 Compare?

Metric 96754 Kilauea Kapaa, HI Hawaii
Home Value $2,208,368 $1,303,665 N/A $824,731
5-Year CAGR 6.4% 5.1% N/A 5.4%
Avg Rent $2,394 $2,007 N/A -
Cap Rate 0.9% 1.4% - -
💡 Why Invest in 96754? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 96754 (Kilauea, HI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
0.9%
Low
5yr Growth
+6.4%
Strong

📉 Market Crash Risk Index

Based on Kapaa, HI metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
72%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $2,208,368
Monthly Rent $2,394
Price-to-Rent 76.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.3%
Cap Rate 0.9%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year +1.5% ▲
3-Year CAGR +3.4% ▲
5-Year CAGR +6.4% ▲
10-Year CAGR +7.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 0.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (0.9%). 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.

Vacancy
21.7%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.4%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 96754

Population: 4,172

💰 Median Household Income
$84,375
This area
$84,375
State
$87,967
USA
$74,580
🏠 Renter Occupied
22.5%
This area
22.5%
State
37.4%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-27.4%
USA
3.7%
🎓 College Educated
27.9%
This area
27.9%
State
-0.9%
USA
33.7%
👤 Median Age
42.1 years
This area
42.1 years
State
-1.2 years
USA
38.9 years
🏚️ Vacancy Rate
21.7%
This area
21.7%
State
18.6%
USA
10.5%
👥 Population by Ethnicity
White 59.4%
Other/Mixed 21.8%
Asian 18.1%
Hispanic/Latino 2.9%
Black/African American 0.7%
👶 Under 18
19.1%
This area
19.1%
USA
22.0%
👴 65 and Over
22.5%
This area
22.5%
USA
17.3%
📊 Poverty Rate
14.1%
This area
14.1%
USA
11.5%

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 96754

A Avg School Grade
1 Schools
14.6:1 Avg Class Size
$19,381 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Kilauea Elementary School

📚 Pre-K – 06 School
👥
291 Students
👨‍🏫
14.6:1 Class Size
💰
$19,381 Per Student
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

1 Nearby 286 Off-Campus Students
C
Kauai Community College
1,298 students · 15.0 mi

Frequently Asked Questions

Are tenants stable in Kilauea, HI?

The renter base in Kilauea, HI is reasonable for the $2,394/mo price point. Screening well and pricing to market typically yields stable tenants.

How does Kilauea, HI stack up for property investment?

Kilauea, HI scores 3.0/5 for investability. Home values sit at $2.2M and rents near $2,394/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Is housing expensive in Kilauea, HI?

In Kilauea, HI the median home value sits at $2.2M. Against the broader HI market, that reads as reasonable for most investors.

Are eviction rules reasonable in Kilauea, HI?

The landlord environment in Kilauea, HI is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Can I house hack in Kilauea, HI?

For house hackers, Kilauea, HI is a tougher. The $2,394/mo rent on a unit helps defray the mortgage on a $2.2M property.

You know 96754 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 96754 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 96754 ranks in Kapaa, HI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

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