ZIP Code 96786 — Wheeler AFB CDP, HI Demographics & Data

ZIP code 96786 covers Wheeler AFB, HI in Honolulu County with a population of about 41,293.

At a glance, the area shows median age of 28.0 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.

Wheeler AFB, HI reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). 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 96786 is about $83,488 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 5.6%; 25.2% of adults with a bachelor’s degree or higher (about 8.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 4.0% of workers reporting work-from-home (about 11.1 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 $724,400 — about 108% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,756 (about 137% above the U.S. median rent ($1,163)), and owner-occupancy near 29.8% (about 35.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96786 in Wheeler AFB, HI, a household would need roughly $199,000 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 $4,653. That is about 138% above the local median household income ($83,488), 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 Wheeler AFB 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 Wheeler AFB CDP, HI show little to no average snow and around 64.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,003 for ZIP 96786 (Wheeler AFB 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.