Waipahu, HI population, income and ZIP codes

Waipahu CDP is a small city in Hawaii, with 39,871 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #5 of 163 ranked by population — larger than 97% of them. The median age here is 39.7 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 Waipahu CDP earn a median of $98,633 a year, 25.6% above the national figure of $78,538 and 7% 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 11.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Waipahu CDP is valued at $835,400, 175.3% above the national figure and 9% above the $768,200 peer median, while median gross rent runs $1,585 a month, 12.7% above the national figure, or roughly $19,020 across a full year. A household on the local median income would put about 19.3% 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 8.5×, 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. 59.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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 8.5× 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.