ZIP code 96731

ZIP 96731 is a small town in Honolulu County, Hawaii, with 2,827 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #61 of 97 ranked by population — larger than 37% of them. The median age here is 27.9 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. 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 ZIP 96731 earn a median of $73,393 a year, 6.6% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 11.3% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 96731 is valued at $812,500, 167.8% above the national figure, while median gross rent runs $1,450 a month, 3.1% above the national figure, or roughly $17,400 across a full year. A household on the local median income would put about 23.7% 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 11.1×, 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. 63.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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 11.1× 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 27.9 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

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.

ZIP 96731 is tabulated inside Honolulu County, Hawaii, one of 38 ZIP areas the Census publishes for that county and 97 across Hawaii. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 96731 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96731 reports a median household income of $73,393, 30% below the $105,068 county median, and 20% below the $91,429 typical HI ZIP. Owner-occupied homes are valued at a median of $812,500, 7% below the county figure and 11% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,450 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Hawaii charges 4% statewide, and local governments overlapping 96731 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 96731 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.