ZIP Code 96728 — Honomu CDP, HI Demographics & Data

ZIP code 96728 covers Honomu, HI in Hawaii County with a population of about 370.

At a glance, the area shows median age of 45.0 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.

Median household income in ZIP 96728 is about $69,063 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 1.6%; 39.0% of adults with a bachelor’s degree or higher (about 5.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Construction; about 21.1% of workers reporting work-from-home (about 5.9 points above the U.S. share (15.2%)); a mean commute of about 142.0 minutes (U.S. average near 26.8).

Median home value is about $433,800 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,341 (about 15% above the U.S. median rent ($1,163)), and owner-occupancy near 76.6% (about 11.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96728 in Honomu, HI, a household would need roughly $119,000 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 $2,787. That is about 72% above the local median household income ($69,063), 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 Honomu CDP, HI as Relatively High (composite score 98.5), which is among the highest nationally. The strongest component scores on US5 are flood (98.9) and wildfire (98.3). 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 Honomu CDP, HI show little to no average snow and around 148.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 96728 (Honomu 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.