ZIP Code 96793 — Waikapu CDP, HI Demographics & Data

ZIP code 96793 covers Waikapu, HI in Maui County with a population of about 32,647.

At a glance, the area shows median age of 39.9 (near the U.S. median).

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

Median household income in ZIP 96793 is about $104,220 — about 39% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 3.7%; 29.4% of adults with a bachelor’s degree or higher (about 4.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Healthcare; about 5.1% of workers reporting work-from-home (about 10.1 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 $776,100 — about 123% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,489 (about 28% above the U.S. median rent ($1,163)), and owner-occupancy near 74.5% (about 9.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96793 in Waikapu, HI, a household would need roughly $214,000 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 $4,985. That is about 105% above the local median household income ($104,220), 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 Waikapu CDP, HI as Relatively Moderate (composite score 93.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (95.3) and flood (93.7). 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 Waikapu CDP, HI show little to no average snow and around 16.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,583 for ZIP 96793 (Waikapu 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.