ZIP Code 96776 — Paauilo CDP, HI Demographics & Data

ZIP code 96776 covers Paauilo, HI in Hawaii County with a population of about 1,629.

At a glance, the area shows median age of 36.9 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 96776 is about $74,536 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.2%; unemployment rate near 4.2%; 29.6% of adults with a bachelor’s degree or higher (about 4.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Agriculture; about 1.7% of workers reporting work-from-home (about 13.5 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 $409,500 — about 18% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 72.5% (about 7.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96776 in Paauilo, HI, a household would need roughly $113,000 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 $2,631. That is about 52% above the local median household income ($74,536), 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 Paauilo 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 Paauilo CDP, HI show little to no average snow and around 90.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 79 for ZIP 96776 (Paauilo 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.