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Sarah Mitchell
Compass Real Estate · ZIP 96740
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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96740 ZIP Code Housing Market
The typical home in ZIP code 96740 is worth $872,722, fell 1.5% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published for this ZIP was $943,750, -2.2% year over year (through May 2026). With homes going under contract in about 117 days, 96740 is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down works out to about $4,659/mo in principal and interest.
Key numbers for ZIP code 96740
Typical home value
$872,722
-1.5% in 12 months
Zillow, August 2026
Typical asking rent
$2,806/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$943,750
-2.2% year over year
Redfin, through March 2026
Days on market
117
Slow-moving
Redfin, through March 2026
Active listings
284
Redfin, through March 2026
Sale-to-list ratio
96.5%
Selling below asking
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$95,542
Home costs 9.1x income
U.S. Census ACS, 2024
Zillow figures are as of August 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.
Is the 96740 ZIP code a buyer's or seller's market?
ZIP code 96740 is a leaning buyer's and homes selling in about 117 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
What are the latest 96740 housing market stats?
Redfin's final published month for this ZIP code. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $943,750 |
| Median list price | $949,900 |
| Year-over-year price change | -2.2% |
| Median price per sq ft | $643/sq ft |
| Median days on market | 117 days |
| Active inventory | 284 listings |
| Sale-to-list price ratio | 96.5% |
| Homes sold (that month) | 144 |
| Market condition | Leaning buyer's |
Reading these: months of supply is how long it would take to sell every active listing at the current pace (under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut.). Days on market is the median time from listing to accepted offer. Sale-to-list ratio above 100% means bidding over asking is normal here. Price per square foot lets you compare differently sized homes, but it should not be used to value your own.
How have 96740 home prices moved?
Over the three years through Redfin's final published month, the median sale price in 96740 rose 21.4%, from $777,500 to $943,750. The live Zillow value series has fell 1.5% in the last 12 months — the more current read now that the Redfin series has stopped. ZIP-level medians swing harder than citywide ones because far fewer homes sell in a month; read the shape of the line, not any single point.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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How does 96740 compare to Kaloko, HI?
96740 sits about 2.9 miles from downtown Kaloko, but we do not hold ZIP and citywide sale rows for the same period, so putting the two numbers side by side would be comparing different months. The Kaloko, HI housing market page has the citywide figures, and the comparison tool puts any two markets against each other.
What does it cost to buy a home in 96740?
Priced off the typical home value of $872,722 at the current 7.03% 30-year fixed rate. Principal and interest only — property taxes, insurance, HOA dues and mortgage insurance are on top and vary too much by property for us to guess.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $174,544 | $698,178 | $4,659/mo |
| 5% | $43,636 | $829,086 | $5,533/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
Lenders generally want housing costs under 28% of gross income, so the 20%-down payment of $4,659 implies roughly $199,674 a year before taxes and insurance. The median household in this ZIP earns $95,542, about $104,132 short of it — which is why down payment size, not price, usually decides who buys here. Price-to-income runs 9.1x. Typical asking rent here is $2,806/mo, a price-to-rent ratio of 25.9x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap.
Run it with your own numbers: affordability calculator · mortgage calculator · rent vs. buy calculator
Who lives in 96740?
American Community Survey estimates for this ZIP code tabulation area. U.S. Census ACS, 2024
Population
39,338
Households
13,925
Median income
$95,542/yr
Median age
44.3 years
Owner-occupied
71.8%
Median home value
$760,600
Median gross rent
$1,673/mo
Mean commute
23.99 min
71.8% of occupied homes in this ZIP are owner-occupied — the share that decides how much of the local housing stock ever reaches the for-sale market. Census median gross rent across all leases is $1,673/mo, below Zillow's $2,806/mo asking rent on new leases; the gap is roughly what a mover pays over a stayer.
Which public schools serve ZIP 96740?
6 schools tracked · 4,040 students
The largest public schools serving ZIP code 96740 by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Kealakehe High School
Grades 9-12 · 1,397 students
Kealakehe Elementary School
Grades PK-5 · 900 students
Kealakehe Intermediate School
Grades 6-8 · 690 students
Kahakai Elementary School
Grades PK-5 · 538 students
West Hawaii Explorations Academy
Grades 6-12 · 275 students
Innovations - PCS
Grades K-8 · 240 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Homes for sale in 96740
The last count we hold for 96740 is 284 active listings, with a median asking price of $949,900 (Redfin, through May 2026). Properties Incorporated is a data platform, not a listing portal — we publish what homes cost and how fast they move, and we point you at the portals for the inventory itself. Tell us what you are looking for and we will send the Kaloko, HI listings that match instead.
96740 housing market FAQ
How much do homes cost in 96740?
The typical home in ZIP code 96740 is worth $872,722 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published for this ZIP was $943,750, about $643 per square foot (through May 2026).
Is 96740 a buyer's or seller's market?
ZIP code 96740 reads as a leaning buyer's on the supply and pace-of-sale data we hold. Redfin's ZIP-level series stopped in June 2026, so this classification is frozen rather than live.
Is 96740 cheaper than Kaloko, HI?
96740 sits in the Kaloko, HI area, but we do not hold ZIP and citywide sale rows for the same period, so a direct price comparison would be mixing months. The Kaloko, HI page shows the citywide figures we do have.
What income do you need to buy a home in 96740?
At the current 30-year fixed rate of 7.03%, 20% down on a $872,722 home is about $4,659 a month in principal and interest. Under the standard 28% front-end rule that implies roughly $199,674 in gross annual income, before property taxes, insurance, HOA dues or mortgage insurance. Census puts the median household income in this ZIP at $95,542.
Are home prices rising in 96740?
The typical home value in 96740 fell 1.5% over the last 12 months, from $886,442 to $872,722 (Zillow, August 2026). Zillow's index still refreshes monthly, so this is the current read.
What data do you publish for ZIP code 96740?
Zillow's Home Value Index and Observed Rent Index (monthly, current), Redfin's median sale price, days on market, inventory and months of supply (final period May 2026), U.S. Census ACS demographics, NCES public school records, and Freddie Mac's 30-year fixed rate via FRED for the affordability math. Every figure on this page carries its source and period. Properties Incorporated publishes market data; it does not list homes and does not give financial advice.
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