Ocean Pointe, HI population, income and ZIP codes

Ocean Pointe CDP is a mid-size town in Hawaii, with 16,276 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #18 of 163 ranked by population — larger than 89% of them. The median age here is 32.9 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 Ocean Pointe CDP earn a median of $143,394 a year, 82.6% above the national figure of $78,538 and 56% above the $92,062 median for the 124 Hawaii cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 3.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Ocean Pointe CDP is valued at $877,600, 189.3% above the national figure and 14% above the $768,200 peer median, while median gross rent runs $3,347 a month, 138.1% above the national figure, or roughly $40,164 across a full year. A household on the local median income would put about 28% 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 6.1×, 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. 78.8% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 6.1× 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.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.