Fern Acres, HI population, income and ZIP codes

Fern Acres CDP is a small town in Hawaii, with 1,714 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #104 of 163 ranked by population — larger than 36% of them. The median age here is 49.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Fern Acres CDP earn a median of $49,554 a year, 36.9% below the national figure of $78,538 and 46% below the $92,062 median for the 124 Hawaii cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 18.9% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Fern Acres CDP is valued at $267,400, 11.9% below the national figure and 65% below the $768,200 peer median, while median gross rent runs $1,099 a month, 21.8% below the national figure, or roughly $13,188 across a full year. A household on the local median income would put about 26.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 81.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.