Waipio, HI population, income and ZIP codes

Waipio CDP is a mid-size town in Hawaii, with 11,196 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #31 of 163 ranked by population — larger than 81% of them. The median age here is 44.2 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 Waipio CDP earn a median of $106,164 a year, 35.2% above the national figure of $78,538 and 15% 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 6.3% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Waipio CDP is valued at $709,500, 133.8% above the national figure and 8% below the $768,200 peer median, while median gross rent runs $2,248 a month, 59.9% above the national figure, or roughly $26,976 across a full year. A household on the local median income would put about 25.4% 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 6.7×, 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. 73.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. 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 6.7× 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.