Waikoloa, HI—96738
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Waikoloa, HI
As of Oct '25, the median home price in Waikoloa, HI is $838,000, with a year-over-year change of -1.5%. This indicates that home prices in Waikoloa, HI are decreasing. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $838,000 | -1.5% |
| Single Family | $889,000 | -1.4% |
| Condos | $666,000 | -5.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $443,000 | -5.3% |
2 Bed | $698,000 | -3.3% |
3 Bed | $896,000 | -1.6% |
4 Bed | $1,025,000 | -1.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Waikoloa, HI
As of July '25, Rentcast reports the average rent in Waikoloa, HI is $3,010, with a year-over-year rent change of -8.0%. Per bedroom, the median rent as of July '25 in Waikoloa, HI is 1-bedrooms: $1,990, 2-bedrooms: $2,850, 3-bedrooms: $3,660, 4-bedrooms: $5,500. The most common rental property sizes in Waikoloa, HI are 2-bedroom and 3-bedroom, accounting for 49.1% and 23.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,720 | $3,010 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,980 | $1,990 |
| 2 Bed Rent | $2,700 | $2,850 |
| 3 Bed Rent | $3,700 | $3,660 |
| 4 Bed Rent | $5,500 | $5,500 |
% of Rental Stock
Property Listings — Waikoloa, HI
As of Oct '25, Realtor.com reports that the median days on market for a home in Waikoloa, HI is 91. This is a increase of 27.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,010,000 | -4.0% |
Listing Count | 108 | 9.0% |
| Listings as % of Homes | 1.5% | 9.0% |
Days on Market | 91 | 27.0% |
Demographics — Waikoloa, HI
As of the latest ACS Survey released in 2023, Waikoloa, HI has a population of 7,410, which has increased by 10.1% over the past 5 years. Waikoloa, HI is a moderately popular place for families, as children make up 21.3% of the population. The area has a moderately educated workforce, with 35.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,410 | 10.1% |
% Under 18 | 21.3% | -26.3% |
% Seniors | 22.6% | 30.6% |
% WFH | 6.8% | 61.9% |
% w/ College Degree | 35.7% | -5.1% |
As of the latest ACS Survey released in 2023, Waikoloa, HI is a predominantly white area, with 46.8% of the population identifying as white. The white population has grown by 1.1% in the last 5 years. The second most common race or ethnicity in Waikoloa, HI is asian, making up 13.6% of the population. Foreign-born residents account for 17.9% of the population in Waikoloa, HI, and this percentage has increased by 47.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 46.8% | 1.1% |
% Black | 1.9% | 18.8% |
% Hispanic | 11.6% | 13.7% |
% Asian | 13.6% | -24.0% |
% Foreign Born | 17.9% | 47.9% |
Mortgage and Risk — Waikoloa, HI
According to HUD data as of 2023, there were 209 mortgage originations in Waikoloa, HI, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 11.0% above 90% LTV (elevated). This implies medium mortgage risk in Waikoloa, HI. Investor activity is low, as 11.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 209 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 11.0% |
% Second Loans | 25.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Waikoloa, HI
Waikoloa, HI lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 63 |
Total Units Section 8 | 48 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 98.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $80 | $1,980 | $2,060 |
| 2 Bedroom | -$50 | $2,700 | $2,650 |
| 3 Bedroom | -$250 | $3,700 | $3,450 |
| 4 Bedroom | -$1,640 | $5,500 | $3,860 |
Affordability — Waikoloa, HI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8.8 |
| Median Home Price | $838,000 |
| Median Household Income | $90,500 |