Real Estate Investing in Maunaloa, Hawaii (96770)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 96770 (Maunaloa, HI)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 67.8% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (1.2% CAGR).
- 1-year downturn: Values declined 4.2% in the last year.
- Higher unemployment: 8.2% unemployment — tenant risk signal.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Maunaloa, HI (96770)?
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Market Analysis: 96770 Maunaloa
Not every below-median market is a bargain. Maunaloa's 96770 ZIP registers signals that favor experienced operators who can absorb the risk $300K pricing implies.
For an experienced owner, 96770 can be a an appealing option for hunting ground — but the discount at $300K reflects genuine risk that outside investors often underestimate.
Regionally, 96770 sits on the difficult end of the HI spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 96770 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Distressed ZIPs reward experience. durable returns are possible in 96770, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Maunaloa:
Property Strategy for 96770
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $249,594 | $1,590 | 4.6% | — | $249,594 |
| 2BR | $408,255 | $2,080 | 3.7% | +3.3% | $204,128 |
| 3BR | $615,400 | $2,800 | 3.3% | +3.2% | $205,133 |
Market Trends
Home Value History (with trend line)
📊 How Does 96770 Compare?
| Metric | 96770 | Maunaloa | Hawaii |
|---|---|---|---|
| Home Value | $300,213 | $300,213 | $824,731 |
| 5-Year CAGR | 1.2% | 1.2% | 5.4% |
| Avg Rent | $1,872 | $1,872 | - |
| Cap Rate | 4.9% | 4.9% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 96770 (Maunaloa, HI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $300,213 |
| Monthly Rent | $1,872 |
| Price-to-Rent | 13.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.5% |
| Cap Rate | 4.9% |
| 5-Year IRR | 6.0% |
📈 Home Appreciation
| 1-Year | -4.2% ▼ |
| 3-Year CAGR | -6.3% ▼ |
| 5-Year CAGR | +1.2% ▲ |
| 10-Year CAGR | N/A |
🏠 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 (4.9%). 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.
Demographics in 96770
Population: 548
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 96770
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.
Frequently Asked Questions
How should investors approach Maunaloa, HI?
The best-fit strategy in Maunaloa, HI is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
How strong is Maunaloa, HI for real estate investors?
Maunaloa, HI reflects an investability rating of 3.0/5, with median home values near $300K and average rents around $1,872/mo. That combination puts it in the substantial tier for investor interest.
How much does a house cost in Maunaloa, HI?
Maunaloa, HI median home values land near $300K. That is reasonable territory for investors looking at $1,872/mo-per-month rentals.
Can I house hack in Maunaloa, HI?
The a challenging house-hack environment in Maunaloa, HI reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
What is the renter demographic in Maunaloa, HI?
The tenant pool in Maunaloa, HI is solid, supported by local employment and population fundamentals. Rents of $1,872/mo are well-absorbed by the market.
You know 96770 now. You don’t know where it ranks.
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