Kula, HI—96790
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Kula, HI
As of Oct '25, the median home price in Kula, HI is $1,323,000, with a year-over-year change of -3.0%. This indicates that home prices in Kula, HI are decreasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,323,000 | -3.0% |
| Single Family | $1,324,000 | -2.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $963,000 | -8.6% |
2 Bed | $1,171,000 | -4.5% |
3 Bed | $1,323,000 | -2.4% |
4 Bed | $1,577,000 | -2.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Kula, HI
As of July '25, Rentcast reports the average rent in Kula, HI is $4,330, with a year-over-year rent change of 20.3%. Per bedroom, the median rent as of July '25 in Kula, HI is 1-bedrooms: $1,840, 2-bedrooms: $2,530, 3-bedrooms: $5,660, 4-bedrooms: $5,580. The most common rental property sizes in Kula, HI are 2-bedroom and 3-bedroom, accounting for 39.0% and 35.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $4,650 | $4,330 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,290 | $1,840 |
| 2 Bed Rent | $2,200 | $2,530 |
| 3 Bed Rent | $4,900 | $5,660 |
| 4 Bed Rent | $5,800 | $5,580 |
% of Rental Stock
Property Listings — Kula, HI
As of Oct '25, Realtor.com reports that the median days on market for a home in Kula, HI is 77. This is a decrease of -22.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $2,160,000 | -29.0% |
Listing Count | 41 | 4.0% |
| Listings as % of Homes | 0.9% | 4.0% |
Days on Market | 77 | -22.0% |
Demographics — Kula, HI
As of the latest ACS Survey released in 2023, Kula, HI has a population of 9,460, which has decreased by -3.2% over the past 5 years. Kula, HI is a moderately popular place for families, as children make up 22.5% of the population. The area has a moderately educated workforce, with 32.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 9,460 | -3.2% |
% Under 18 | 22.5% | 9.8% |
% Seniors | 22.7% | 12.9% |
% WFH | 9.6% | -19.3% |
% w/ College Degree | 32.4% | -14.3% |
As of the latest ACS Survey released in 2023, Kula, HI is a predominantly white area, with 40.4% of the population identifying as white. The white population has shrunk by 20.2% in the last 5 years. The second most common race or ethnicity in Kula, HI is asian, making up 12.4% of the population. Foreign-born residents account for 9.4% of the population in Kula, HI, and this percentage has increased by 74.1% 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 | 40.4% | -20.2% |
% Black | 0.0% | -100.0% |
% Hispanic | 11.5% | 29.2% |
% Asian | 12.4% | 8.8% |
% Foreign Born | 9.4% | 74.1% |
Mortgage and Risk — Kula, HI
According to HUD data as of 2023, there were 80 mortgage originations in Kula, HI, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 43.0%, with 9.0% above 90% LTV (normal). This implies small mortgage risk in Kula, HI. Investor activity is low, as 0.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 80 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 0.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Kula, HI
As of 2024, the percent of homes in Kula, HI under the Section 8 program is 3.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Kula, HI, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 36 |
Total Units Section 8 | 35 |
% Rentals under Section 8 | 3.8% |
% Occupied Section 8 | 99.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $490 | $1,290 | $1,780 |
| 2 Bedroom | $130 | $2,200 | $2,330 |
| 3 Bedroom | -$1,770 | $4,900 | $3,130 |
| 4 Bedroom | -$2,180 | $5,800 | $3,620 |
Affordability — Kula, HI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 13.9 |
| Median Home Price | $1,323,000 |
| Median Household Income | $92,300 |