Waikoloa Beach Resort, HI population, income and ZIP codes

Waikoloa Beach Resort CDP is a very small community in Hawaii, with 737 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #136 of 163 ranked by population — larger than 16% of them. The median age here is 67.4 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 Waikoloa Beach Resort CDP earn a median of $83,438 a year, 6.2% above the national figure of $78,538 and 9% below 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 26.3% 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 Waikoloa Beach Resort CDP is valued at $1,168,900, 285.3% above the national figure and 52% above the $768,200 peer median, while median gross rent runs $3,501 a month, 149% above the national figure, or roughly $42,012 across a full year. A household on the local median income would put about 50.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is severely stretched — a median-income renter clears the cost-burden line by a wide margin before utilities beyond the gross-rent definition. The home-price-to-income ratio works out to 14×, 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. 79.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 14× 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. A median age of 67.4 puts Waikoloa Beach Resort CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

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.