ZIP Code 96774 — undefined, HI Demographics & Data

ZIP code 96774 covers HI in Hawaii County with a population of about 490.

At a glance, the area shows median age of 38.6 (near the U.S. median).

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

HI fits a retirement-oriented profile (high share of residents 65+ (35.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 96774 is about $64,167 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 15.0%; 7.7% of adults with a bachelor’s degree or higher (about 26.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Agriculture, and Education; about 5.9% of workers reporting work-from-home (about 9.3 points below the U.S. share (15.2%)); a mean commute of about 160.0 minutes (U.S. average near 26.8).

Median home value is about $295,300 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.5% (about 16.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96774 in HI, a household would need roughly $81,000 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 $1,897. That is about 26% above the local median household income ($64,167), 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 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 HI show little to no average snow and around 148.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 24 for ZIP 96774 (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.