ZIP Code 96738 — Waikoloa Village CDP, HI Demographics & Data

ZIP code 96738 covers Waikoloa Village, HI in Hawaii County with a population of about 7,407.

At a glance, the area shows median age of 43.3 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 96738 is about $90,545 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.8%; unemployment rate near 10.1%; 35.7% of adults with a bachelor’s degree or higher (about 2.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Administrative support, and Retail trade; about 6.8% of workers reporting work-from-home (about 8.4 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 $686,700 — about 97% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,011 (about 73% above the U.S. median rent ($1,163)), and owner-occupancy near 78.4% (about 13.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96738 in Waikoloa Village, HI, a household would need roughly $189,000 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 $4,411. That is about 109% above the local median household income ($90,545), 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 Waikoloa Village 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 Waikoloa Village CDP, HI show little to no average snow and around 9.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 359 for ZIP 96738 (Waikoloa Village 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.