ZIP Code 96772 — Discovery Harbour CDP, HI Demographics & Data

ZIP code 96772 covers Discovery Harbour, HI in Hawaii County with a population of about 2,556.

At a glance, the area shows median age of 48.4 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.

Discovery Harbour, HI reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 96772 is about $61,250 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 7.7%; 24.7% of adults with a bachelor’s degree or higher (about 9.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Retail trade; about 13.6% of workers reporting work-from-home (about 1.6 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 $396,300 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,103 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 81.4% (about 16.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96772 in Discovery Harbour, HI, a household would need roughly $109,000 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 $2,546. That is about 78% above the local median household income ($61,250), 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 Discovery Harbour 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 Discovery Harbour CDP, HI show little to no average snow and around 35.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 124 for ZIP 96772 (Discovery Harbour 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.