LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$550K-1.0%|Baltimore · MDMedian List$225K-6.3%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$430K-0.1%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.6%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$481K+0.1%|Denver · COMedian List$569K+1.6%|Detroit · MIMedian List$105K-2.8%|Duval County · FLMedian List$297K-2.3%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$332K-2.1%|Franklin County · OHMedian List$320K+3.2%|Fresno · CAMedian List$406K-2.3%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$260K+2.3%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$309K-2.1%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$240K+4.3%|King County · WAMedian List$860K-4.2%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$275K0.0%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$202K+2.5%|Mesa · AZMedian List$450K-3.1%|Milwaukee · WIMedian List$243K+5.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$480K+1.0%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.6%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.4M+1.7%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$874K-2.8%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$523K-0.3%|Tucson · AZMedian List$316K+2.7%|Wayne County · MIMedian List$229K+6.7%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$550K-1.0%|Baltimore · MDMedian List$225K-6.3%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$430K-0.1%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.6%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$481K+0.1%|Denver · COMedian List$569K+1.6%|Detroit · MIMedian List$105K-2.8%|Duval County · FLMedian List$297K-2.3%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$332K-2.1%|Franklin County · OHMedian List$320K+3.2%|Fresno · CAMedian List$406K-2.3%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$260K+2.3%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$309K-2.1%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$240K+4.3%|King County · WAMedian List$860K-4.2%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$275K0.0%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$202K+2.5%|Mesa · AZMedian List$450K-3.1%|Milwaukee · WIMedian List$243K+5.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$480K+1.0%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.6%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.4M+1.7%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$874K-2.8%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$523K-0.3%|Tucson · AZMedian List$316K+2.7%|Wayne County · MIMedian List$229K+6.7%|
Property-class scope

The story of this market

The typical home in ZIP 96795 sells for about $1,103,006, or $826 per square foot.

Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 120 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,786 a month.

ZIP market report · consumer edition · quarterly refresh
Track this ZIP

ZIP 96795 — Waimanalo

Honolulu County →Honolulu marketrefreshed Sep 29, 2026next refresh Oct 29, 2026
Market mood · cautiously optimistic

The Waimanalo housing market remains stable with limited inventory and consistent demand, keeping prices elevated. Market activity is driven by the area's rural appeal and proximity to military installations, though high insurance costs and commute times remain factors for buyers. Figures for active listings and specific price-cut percentages are based on current regional portal data.

Who this ZIP fits

This ZIP is ideal for families and outdoor enthusiasts who prioritize proximity to beaches and rural landscapes over urban convenience. It is less suited for those requiring a short commute to downtown Honolulu or immediate access to major commercial amenities.

Parent geography
Waimanalo · no city intel reportHonolulu County →Hawaii state →
Aerial view · ZIP boundaries2020 Census ZCTA boundary over current aerial imagery
Leaflet Imagery © Esri, Maxar, Earthstar Geographics
Land area · 29.7 km²Water area · 4.7 km²U.S. Census Bureau TIGERweb — 2020 Census ZCTA5 boundary
Median sale price
$1,103,006
+3.2% year over year
Corroborated · 1 anchor · 0% off nearest
Days on market
120 days
Active listings
42
Listings with price cuts
15%
share of active listings
Sale-to-list ratio
98.5%
of asking price
ZIP Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
65
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
66
Growth/100

Median prices moved up 3.2% year over year.

31
Liquidity/100

Homes spend a median of 120 days on market with 4.5 months of supply — a slower-moving market.

73
Momentum/100

15% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.

90
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.9% · poverty 7.2% — a stable, low-distress profile.

Median price · ten-year history

Researched annual trajectory for this ZIP, from published historical series

2016201720182019202020212022202320242025202620282030$500,000$750,000$1,000,000$1,250,000$1,500,000

Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.

Property tax · ten-year history

Median annual property tax paid on this ZIP's residential parcels

2016201720182019202020212022202320242025202620282030$2,250$3,000$3,750$4,500$5,250

Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.

Census trends · population flowsACS 2020-2024 5-year estimates
Population change
+0.8%

versus the prior ACS vintage

Net migration
+120 people

net influx — more people moved in than out

Population base
10,315

ZCTA 96795, Honolulu County HI

Area context
Crime & safety

Waimanalo generally experiences lower crime rates compared to more urbanized parts of Honolulu, with property crime being the primary concern. Local trends remain stable, reflecting the rural and tight-knit character of the community.

Schools & education

Schools serving the area are part of the Hawaii Department of Education, with local elementary schools generally receiving moderate ratings. Educational quality is considered consistent with regional public school standards.

Environmental & hazard

The area faces significant exposure to coastal flooding, tsunami risks, and high-wind events typical of windward Oahu. Property insurance premiums are elevated due to these environmental hazards.

Growth & development

Economic momentum is driven by local agriculture, tourism, and proximity to Marine Corps Base Hawaii. Development is strictly limited by state land-use laws and the rural zoning character of the valley.

Taxation

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Hawaii) — Real Property Tax: Tax is calculated by applying county-specific tax rates to the assessed value of the property. The formula is (Assessed Value - Exemptions) * Tax Rate. Exemptions include homestead exemptions for owner-occupants, which vary by county.

Transportation & commute

Commuting to Honolulu's employment core typically involves a 30-45 minute drive via Kalanianaʻole Highway, which is prone to heavy traffic during peak hours. Public transit via TheBus provides service, though commute times are significantly longer than by private vehicle.

Recreation & amenities

The area is defined by its proximity to Waimanalo Beach, Bellows Field Beach Park, and extensive hiking trails in the Koʻolau Range. Local shopping is limited to small-scale neighborhood centers, with major retail hubs located in nearby Kailua.

Rental market

The rental market is characterized by low vacancy rates and high demand, often driven by military personnel and local families. Short-term rentals are strictly regulated under county ordinances, limiting their prevalence in residential zones.

Economy & employers

The local economy is anchored by agriculture, small-scale tourism, and the nearby military presence at Marine Corps Base Hawaii. It serves as a residential bedroom community for the broader Honolulu metro area.

Development pipeline

Development is constrained by the Waimanalo Agricultural District and state-level land preservation policies, resulting in a very limited pipeline for new residential construction.

Special districts

Parcels are subject to standard Honolulu County property tax assessments and utility service districts for water and waste management.

Insurance & hazard market

Property insurance is heavily influenced by high-risk coastal hazard zones, leading to significant premium costs for homeowners in the area.

Discovery profileACS 2020-2024 5-year estimates
Census profile · ZCTA 96795, Honolulu County HI
Population
10,315
Median age
33.1 yrs
Owner-occupancy
74.3%
Median home value
$711,800
Median gross rent
$1,786
Median household income
$114,896
Median year built
1978
Vacancy rate
4.2%
Renter share
25.7%
Owner cost burden
28.5%
Renter cost burden
35.2%
Population change
+0.8%
Net migration
120
Work-from-home share
12.4%
Mean commute
38.5 min
Bachelor's or higher
28.1%
Unemployment
3.9%
Poverty rate
7.2%
Avg household size
3.4
White
22.5%
Asian
25.2%
Native Hawaiian/Pacific Islander
38.4%
Other/Mixed
13.9%

Data retrieved from US Census Bureau ZCTA 96795 profile.

Public schools · 2
Waimanalo Elementary and Intermediate SchoolElementary/Middle4/10Hawaii Department of EducationServes the local community with a focus on primary education.
Kailua High SchoolHigh5/10Hawaii Department of EducationRegional high school serving the broader Waimanalo and Kailua area.
School districts
Hawaii Department of EducationN/AStatewide unified school district managing all public schools in the area.
Utilities & services
ElectricHawaiian ElectricPrimary provider for the island of Oahu.
WaterHonolulu Board of Water SupplyMunicipal water service.
InternetHawaiian Telcom / SpectrumMajor broadband providers in the region.
Major employers & industries
Marine Corps Base HawaiiMilitary/GovernmentMajor regional employer.
Local Agricultural FarmsAgricultureSignificant local industry.
Major amenities · ZIP 96795
Theme, amusement & water parks
9 · 20 mi
Entertainment venues, stadiums & amphitheaters
11 · 20 mi
Family fun & things to do
20+ · 13 mi
Museums, galleries & history
20+ · 20 mi
Lakes, marinas & beaches
7 · 20 mi
Shopping & dining districts
12 · 13 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.

Amenities & attractions3 retained amenities
Inside this ZIP
Waimanalo Beach
Park/Beach

One of the longest stretches of sandy beach on Oahu, popular for recreation.

Bellows Field Beach Park
Park

A scenic coastal park offering camping and beach access.

Sherwood Forest
Park

A wooded area adjacent to the beach known for its ironwood trees.

Sources · 4 cited

Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.