ZIP Code 96795 — Waimanalo CDP, HI Demographics & Data

ZIP code 96795 covers Waimanalo, HI in Honolulu County with a population of about 10,315.

At a glance, the area shows median age of 39.0 (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 96795 is about $118,365 — about 58% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.0%; unemployment rate near 5.2%; 21.8% of adults with a bachelor’s degree or higher (about 11.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Food services; about 7.6% of workers reporting work-from-home (about 7.6 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 $746,700 — about 115% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,595 (about 37% above the U.S. median rent ($1,163)), and owner-occupancy near 78.7% (about 13.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96795 in Waimanalo, HI, a household would need roughly $206,000 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 $4,797. That is about 74% above the local median household income ($118,365), 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 Waimanalo 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 Waimanalo CDP, HI show little to no average snow and around 42.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 500 for ZIP 96795 (Waimanalo 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.