ZIP Code 96782 — Pearl City CDP, HI Demographics & Data

ZIP code 96782 covers Pearl City, HI in Honolulu County with a population of about 37,740.

At a glance, the area shows median age of 42.8 versus a U.S. median of about 38.9.

It sits in telephone area code 808; U.S. House district HI-1; the HONOLULU media market.

Median household income in ZIP 96782 is about $104,779 — about 39% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 3.5%; 31.8% of adults with a bachelor’s degree or higher (about 1.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Public administration; about 7.3% of workers reporting work-from-home (about 7.9 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 $846,200 — about 143% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,090 (about 80% above the U.S. median rent ($1,163)), and owner-occupancy near 67.7% (about 2.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96782 in Pearl City, HI, a household would need roughly $233,000 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 $5,436. That is about 122% above the local median household income ($104,779), 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 Pearl City CDP, HI as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are flood (99.3) and wildfire (99.0). 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 Pearl City CDP, HI show little to no average snow and around 76.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,830 for ZIP 96782 (Pearl City 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.