Real Estate Investing in Pahala, Hawaii (96777)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 96777 (Pahala, HI)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Elevated vacancy: 11.7% vacancy may signal weakening demand.
- Higher unemployment: 10.8% unemployment — tenant risk signal.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Pahala, HI (96777)?
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Market Analysis: 96777 Pahala
This part of Hawaii County is not an easy win. The 96777 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 96777 can be a a strong candidate for hunting ground — but the discount at $294K reflects genuine risk that outside investors often underestimate.
The gap between 96777 and stronger Pahala ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Resident income in 96777 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Pahala's stable or hybrid ZIPs before stepping into 96777. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Pahala:
Market Trends
Home Value History (with trend line)
📊 How Does 96777 Compare?
| Metric | 96777 | Pahala | Hilo, HI | Hawaii |
|---|---|---|---|---|
| Home Value | $293,548 | $293,548 | N/A | $824,731 |
| 5-Year CAGR | 3.3% | 3.3% | N/A | 5.4% |
| Avg Rent | $1,683 | $1,683 | N/A | - |
| Cap Rate | 4.5% | 4.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 96777 (Pahala, HI). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $293,548 |
| Monthly Rent | $1,683 |
| Price-to-Rent | 14.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.9% |
| Cap Rate | 4.5% |
| 5-Year IRR | 7.7% |
📈 Home Appreciation
| 1-Year | +1.0% ▲ |
| 3-Year CAGR | -1.4% ▼ |
| 5-Year CAGR | +3.3% ▲ |
| 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 (4.5%). 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 96777
Population: 1,838
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 96777
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
Should investors worry about vacancy in Pahala, HI?
Vacancy in Pahala, HI is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,683/mo.
What are rental rates like in Pahala, HI?
Rental rates in Pahala, HI average $1,683/mo. Tenant demand and $294K home values make the yield look reasonable by investor standards.
How strong is the working-renter base in Pahala, HI?
The renter base in Pahala, HI is reasonable for the $1,683/mo price point. Screening well and pricing to market typically yields consistent tenants.
What is it like being a landlord in Pahala, HI?
HI ranks as a landlord-friendly state for landlord-tenant law. Pahala generally follows the statewide framework, so landlords face reasonable operating rules.
How does Pahala, HI stack up for property investment?
Pahala, HI comes in at an investability rating of 3.0/5, with median home values near $294K and average rents around $1,683/mo. That combination puts it in the impressive tier for investor interest.
You know 96777 now. You don’t know where it ranks.
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How 96777 ranks in Hilo, HI
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