HousingHandbookReference data

U.S. ZIP Code · HI96821

Honolulu County · Urban Honolulu, HI

Typical home value

$1,835,032[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+3.4%
5-year / yr
+5.7%
10-year / yr
+4.1%

Relative price

vs U.S.
+546.0%
vs metro
+110.2%
vs state
+118.8%
ZIP 96821 location in HI
Location of ZIP 96821 in HI

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 96821 is worth $1,835,032 — 110.2% above the Urban Honolulu, HI median. Over the past year, values have risen 3.4%. Homes here rent for a typical $4,708 a month — a 3.1% gross rental yield. The effective property tax rate is 0.3%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$4,708[2]
Gross yield
3.1%[2]
Cap rate
1.8%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.3%[3]
Typical annual tax
$5,807[3]

#Climate risk

FEMA National Risk Index ratings for Honolulu County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Very High
Coastal flood
Relatively Moderate
Wildfire
Relatively High
Drought
Very Low
Heat wave
No Rating
Hurricane
Relatively Low
Tornado
Relatively Low
Earthquake
Relatively High
Winter weather
No Rating

#Who lives here

Population
20,053[3]
Median household income
$174,938[3]

#Migration

Household moves in and out of Honolulu County over a year, from IRS tax-return data.

Net migration
-2,135[5]
Moved in
21,092
Moved out
23,227

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
1
Middle
1
High
1
  • Kalani High School

    High · Grades 9–12 · Hawaii Department of Education

    1,375 students

  • Niu Valley Middle School

    Middle · Grades 6–8 · Hawaii Department of Education

    817 students

  • Aina Haina Elementary School

    Elementary · Grades PK–5 · Hawaii Department of Education

    369 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield3.1%
Net yield (after ~40% expenses)1.8%
Annual rent$56,493

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$9,279
Loan principal$1,468,026
Down payment$367,006
Total interest paid$1,872,386

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio2.40
Monthly cost to own$11,297
Monthly rent$4,708

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
93rd percentile[1]
Rental yield
23rd percentile[2]
Property tax
59th percentile[3]

Frequently asked

How much is a home worth in ZIP code 96821?
The typical home in 96821 is worth $1,835,032, based on the Zillow Home Value Index.
Are home values rising in 96821?
Home values in 96821 are up 3.4% over the past year, and up 5.7% a year over five years.
What is the typical rent in 96821?
A typical home in 96821 rents for about $4,708 a month, a gross rental yield of 3.1%.
What is the property tax rate in 96821?
The effective property tax rate in 96821 is 0.3% — roughly $5,807 a year on a typical home.
Who lives in 96821?
ZIP code 96821 has a population of 20,053 and a median household income of $174,938.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Pupukea CDP, HI

    Typical home
    $1,660,456
    Gross yield
    3.1%
  • Kailua CDP, HI

    Typical home
    $1,530,895
    Gross yield
    2.9%
  • Urban Honolulu CDP, HI

    Typical home
    $1,282,927
    Gross yield
    2.8%
  • Laie CDP, HI

    Typical home
    $1,268,271
    Gross yield
  • East Honolulu CDP, HI

    Typical home
    $1,245,581
    Gross yield
    3.5%
  • Waimanalo CDP, HI

    Typical home
    $1,089,211
    Gross yield

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