Real Estate Investing in Kurtistown, Hawaii (96760)

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

Hawaii County • Population: 4,144 • Data updated: September 2026

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Should you buy in 96760 (Kurtistown, HI)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 15.9% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Kurtistown, HI (96760)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $366,913
Avg Monthly Rent $1,683
1% Rule ✗ Does Not Meet
Median Income $85,588
% Renters 10.0%

Market Analysis: 96760 Kurtistown

On balance, ZIP 96760 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $367K median. It rewards specialists, not generalists.

Rent of $1,683/mo on a $367K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 96760 sits below the stated 0.0% once reality is priced in.

Statewide comparisons place 96760 among HI's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 96760 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Experienced landlords with local relationships tend to find 96760 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Kurtistown:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
18/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Rising (+4.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,683/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Hilo, HI Metro Area
More inventory, negotiating room for buyers
87 days
Average time to sell
Slow
6.1%
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 Hilo, HI metro data
🏠

Property Strategy for 96760

Which property type performs best in this market?

Best for Cash Flow
2BR
4.6% cap rate
Best for Appreciation
3BR
+5.8% 5yr CAGR
Best Overall Value
3BR
$133,548/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $291,633 $1,870 4.6% +2.6% $145,816
3BR $400,645 $2,440 4.4% +5.8% $133,548

Market Trends

Home Value History (with trend line)

$378K$345K$313K$280K$247K$215KFeb 2018May 2022Jul 2026

📊 How Does 96760 Compare?

Metric 96760 Kurtistown Hilo, HI Hawaii
Home Value $366,913 $366,913 N/A $824,731
5-Year CAGR 4.7% 4.7% N/A 5.4%
Avg Rent $1,683 $1,683 N/A -
Cap Rate 3.6% 3.6% - -
💡 Why Invest in 96760? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 96760 (Kurtistown, HI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+4.7%
Moderate

📉 Market Crash Risk Index

Based on Hilo, HI metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
68%
Days Pending
2/2
87 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $366,913
Monthly Rent $1,683
Price-to-Rent 18.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.5%
Cap Rate 3.6%
5-Year IRR 8.2%

📈 Home Appreciation

1-Year +4.7% ▲
3-Year CAGR +1.3% ▲
5-Year CAGR +4.7% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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.

Vacancy
15.9%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+4.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 96760

Population: 4,144

💰 Median Household Income
$85,588
This area
$85,588
State
$87,967
USA
$74,580
🏠 Renter Occupied
10.0%
This area
10.0%
State
37.4%
USA
34.0%
💼 Unemployment Rate
3.5%
This area
3.5%
State
-27.4%
USA
3.7%
🎓 College Educated
24.7%
This area
24.7%
State
-0.9%
USA
33.7%
👤 Median Age
49.9 years
This area
49.9 years
State
-1.2 years
USA
38.9 years
🏚️ Vacancy Rate
15.9%
This area
15.9%
State
18.6%
USA
10.5%
👥 Population by Ethnicity
Other/Mixed 40.5%
White 39.4%
Asian 20.1%
Hispanic/Latino 3.2%
👶 Under 18
17.5%
This area
17.5%
USA
22.0%
👴 65 and Over
23.3%
This area
23.3%
USA
17.3%
📊 Poverty Rate
15.6%
This area
15.6%
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

🎓 Nearby Colleges & Universities

2 Nearby 1,312 Off-Campus Students
C+
University of Hawaii at Hilo
2,781 students · 10.4 mi
C+
Hawaii Community College
2,260 students · 10.6 mi

Investor Insight: With 1,312 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Should investors worry about vacancy in Kurtistown, HI?

Kurtistown, HI sees elevated vacancy, which is reasonable relative to the broader HI rental market.

Are landlord laws favorable in Kurtistown, HI?

Rental owners in Kurtistown, HI deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

What is the average home sale price in Kurtistown, HI?

Typical homes in Kurtistown, HI go for around $367K. The 5-year CAGR of 0.0% consistent price movement.

Does a duplex house hack pencil in Kurtistown, HI?

For house hackers, Kurtistown, HI is a challenging. The $1,683/mo rent on a unit helps defray the mortgage on a $367K property.

How qualified is the tenant pool in Kurtistown, HI?

Expect a solid tenant pool in Kurtistown, HI. The rental market absorbs $1,683/mo rents without meaningful friction.

You know 96760 now. You don’t know where it ranks.

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How 96760 ranks in Hilo, HI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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