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Featured local agent — Pepeekeo, HI
Sarah Mitchell
Compass Real Estate · Pepeekeo, HI
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Pepeekeo, HI Housing Market
The typical home in Pepeekeo, HI is worth $550,573, rose 2.0% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $425,000 (through May 2026). With 3.0 months of supply and homes going under contract in about 62 days, Pepeekeo is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $550,573 home is about $2,831/mo in principal and interest.
Key numbers for Pepeekeo, HI
Typical home value
$550,573
+2.0% in 12 months
Zillow, July 2026
Median sale price
$425,000
Last published period
Redfin, through May 2026
Days on market
62
Slow-moving
Redfin, through May 2026
Active listings
3
3.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$52,276
Home costs 10.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
107.6%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Pepeekeo a buyer's or seller's market?
Pepeekeo, HI is a seller's market, based on 3.0 months of supply and homes selling in about 62 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Pepeekeo housing market data show?
Every row below is Redfin's final published month for Pepeekeo, HI. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $425,000 |
| Median price per sq ft | $516/sq ft |
| Median days on market | 62 days |
| Active inventory | 3 listings |
| Months of supply | 3.0 months |
| Sale-to-list price ratio | 107.6% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 33.3% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Pepeekeo is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Pepeekeo is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Pepeekeo home prices moved?
Across the 24 months we hold for Pepeekeo, HI, the median sale price fell 59.5%, from $1.05M in April 2021 to $425,000. The live Zillow value series has rose 2.0% in the last 12 months, which is the more current read now that Redfin's series has stopped. 33.3% of Pepeekeo listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 3.0 months while the sale-to-list ratio slips below its current 107.6%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Pepeekeo?
Priced off the typical home value of $550,573 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $110,115 | $440,458 | $2,831/mo |
| 5% | $27,529 | $523,044 | $3,361/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,831, that implies roughly $121,307 a year before you add taxes and insurance. The median household in Pepeekeo earns $52,276, about $69,031 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 10.5x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Pepeekeo in the next 12 months?
Tell us your timeline. We send the Pepeekeo market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Pepeekeo?
Zillow does not publish a rent index (ZORI) for Pepeekeo, HI, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Pepeekeo?
Active listings in Pepeekeo, HI went from 1 in May 2022 to 3 in May 2026, a +200.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| July 2022 | 4 | 1 |
| August 2022 | 2 | 1 |
| September 2022 | 4 | 2 |
| October 2022 | 1 | not published |
| November 2024 | 4 | 3 |
| January 2025 | 4 | 1 |
| March 2025 | 4 | not published |
| April 2025 | 4 | 1 |
| June 2025 | 5 | 2 |
| September 2025 | 7 | 3 |
| January 2026 | 4 | 1 |
| May 2026 | 3 | not published |
Redfin, through May 2026
How does Pepeekeo compare to Hawaii and the U.S.?
Pepeekeo homes sell for $425,000 — 43% below the Hawaii median of $741,300. Against the national median of $410,700, Pepeekeo runs 3% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Pepeekeo, HI | $425,000 | not published | 62 days |
| Hawaii statewide | $741,300 | -0.3% | 86 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Pepeekeo
What buyers should watch
- Months of supply, currently 3.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 33.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $531 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $550,573 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Pepeekeo listing goes under contract in 62 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 107.6% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +2.0% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Pepeekeo varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Pepeekeo
There are currently 3 homes listed for sale in Pepeekeo, Hawaii.
Active listings
3
Homes on market
Avg. days on market
62
Days until sale
How much do homes cost in Pepeekeo by property type?
How the Pepeekeo, HI market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $425,000 | $516/sq ft | 1 | 62 days |
Who lives in Pepeekeo?
American Community Survey estimates for Pepeekeo. U.S. Census ACS, 2023
Population
1,505
Households
485
Median income
$52,276/yr
Median age
37.1 years
Owner-occupied
50.9%
Median home value
$415,600
Median gross rent
$805/mo
Mean commute
46.5 min
50.9% of occupied homes in Pepeekeo are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $415,600 against Zillow's $550,573 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Pepeekeo, HI?
Ordered by distance from Pepeekeo, not by size. Compare Pepeekeo side by side with any of them.
Pepeekeo housing market FAQ
Is Pepeekeo a buyer's or seller's market?
Pepeekeo, HI is currently a seller's market. That read comes from 3.0 months of supply, homes going under contract in about 62 days, and sellers getting 107.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Pepeekeo?
The typical home in Pepeekeo, HI is worth $550,573 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $425,000, about $516 per square foot.
Is Pepeekeo cheaper than the rest of Hawaii?
Pepeekeo's median sale price of $425,000 is 43% lower than the Hawaii statewide median of $741,300, and 3% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Pepeekeo?
Homes in Pepeekeo, HI spent a median of 62 days on market before going under contract, versus 86 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Pepeekeo?
At the current 30-year fixed rate of 6.66%, 20% down on a $550,573 home is about $2,831 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $121,307 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $52,276.
Are home prices rising in Pepeekeo?
The typical home value in Pepeekeo, HI rose 2.0% over the last 12 months, from $539,879 to $550,573 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Pepeekeo?
Pepeekeo ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Pepeekeo?
That depends on your timeline, not on a headline. What the data says today: Pepeekeo, HI is a seller's market with 3.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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