Kapaa, HI population, income and ZIP codes

Kapaa CDP is a mid-size town in Hawaii, with 10,886 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #33 of 163 ranked by population — larger than 80% of them. The median age here is 46.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Kapaa CDP earn a median of $89,440 a year, 13.9% above the national figure of $78,538 and 3% below the $92,062 median for the 124 Hawaii cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 6.9% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Kapaa CDP is valued at $821,500, 170.8% above the national figure and 7% above the $768,200 peer median, while median gross rent runs $1,997 a month, 42% above the national figure, or roughly $23,964 across a full year. A household on the local median income would put about 26.8% 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 9.2×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 64.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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.

Home values sit at 9.2× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

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.