Waimanalo, HI population, income and ZIP codes

Waimanalo CDP is a mid-size town in Hawaii, with 5,634 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #53 of 163 ranked by population — larger than 67% of them. The median age here is 33.1 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 Waimanalo CDP earn a median of $114,896 a year, 46.3% above the national figure of $78,538 and 25% above 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 12.7% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Waimanalo CDP is valued at $711,800, 134.6% above the national figure and 7% below the $768,200 peer median, while median gross rent runs $1,786 a month, 27% above the national figure, or roughly $21,432 across a full year. A household on the local median income would put about 18.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.2×, 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. 74.3% 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 6.2× 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. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

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.