ZIP Code 96748 — Kaunakakai CDP, HI Demographics & Data

ZIP code 96748 covers Kaunakakai, HI in Maui County with a population of about 5,168.

At a glance, the area shows median age of 37.9 (near the U.S. median).

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

Median household income in ZIP 96748 is about $76,974 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.8%; unemployment rate near 9.5%; 21.7% of adults with a bachelor’s degree or higher (about 12.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Retail trade; about 9.2% of workers reporting work-from-home (about 6.0 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 $355,500 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $821 (about 29% below the U.S. median rent ($1,163)), and owner-occupancy near 61.1% (about 4.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96748 in Kaunakakai, HI, a household would need roughly $98,000 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 $2,284. That is about 27% above the local median household income ($76,974), 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 Kaunakakai CDP, HI as Relatively Moderate (composite score 93.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (95.3) and flood (93.7). 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 Kaunakakai CDP, HI show little to no average snow.

IRS migration statistics show a net inflow of about 251 for ZIP 96748 (Kaunakakai 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.