ZIP Code 96707 — Kalaeloa CDP, HI Demographics & Data

ZIP code 96707 covers Kalaeloa, HI in Honolulu County with a population of about 49,316.

At a glance, the area shows median age of 35.2 versus a U.S. median of about 38.9.

It sits in telephone area code 808; U.S. House district HI-2; the HONOLULU media market.

Kalaeloa, HI sits in a university / college context (near hawaii tokai international college (1.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 96707 is about $121,409 — about 62% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 6.1%; 33.8% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Food services; about 10.3% of workers reporting work-from-home (about 4.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $772,400 — about 122% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,287 (about 97% above the U.S. median rent ($1,163)), and owner-occupancy near 73.5% (about 8.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96707 in Kalaeloa, HI, a household would need roughly $213,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,962. That is about 75% above the local median household income ($121,409), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Kalaeloa CDP, HI as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are flood (99.3) and wildfire (99.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Kalaeloa CDP, HI show little to no average snow.

IRS migration statistics show a net inflow of about 2,392 for ZIP 96707 (Kalaeloa CDP, HI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.