Hawaii ZIP codes

Hawaii splits between a handful of population centres — 40% of its 1,445,635 counted residents live in the ten largest ZIP codes — and a long tail of smaller communities. 10 ZIP codes pass 50,000 residents, while 20 sit below a thousand. Half of these ZIP codes hold more than 4,396 residents, which is a small-town scale: big enough for published estimates, small enough that one employer or one subdivision moves the numbers.

Housing is the defining pressure in Hawaii. The median ZIP code here posts a home value of $734,350 against a household income of $91,429 — a price-to-income ratio of 8, well past the national 3.9. High local incomes do not close that gap. Median gross rent runs $1,770 including utilities, or about 23% of median household income annually.

Middle-of-the-road dispersion: $63,438 to $120,577 across the tenth-to-ninetieth percentile band, a 1.9× spread. 96821 tops the list at $174,152 and 96778 anchors the bottom at $34,863, but those two are not where most of this list sits.

About one row in 6 is incomplete — 17 of 97 ZIP codes have a suppressed estimate, almost all of them at the small end. Five-year estimates average responses over sixty months, so what is published is a stable baseline rather than a reading of this month's market.

How many ZIP codes does Hawaii have? 97 appear in the current federal tabulation. ZIP code tabulation areas are the Census approximation of postal ZIP codes, so the count differs slightly from the number of ZIPs the Postal Service delivers to in Hawaii, and PO-box-only ZIPs have no area at all.

Which Hawaii row should I compare mine against? Pick ZIP codes within roughly the same population band. In a state this spread out, size drives the housing and income figures more than region does.

How current is this? Every figure comes from the American Community Survey 2019-2023 ACS 5-year release published by the US Census Bureau, ACS 2019-2023 5-year estimates. It reflects the full survey window rather than a single date, and it is the most recent vintage available for ZIP codes this small.