ZIP code 96760

ZIP 96760 is a small town in Hawaii County, Hawaii, with 4,144 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #53 of 97 ranked by population — larger than 45% of them. The median age here is 44.7 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 96760 earn a median of $96,615 a year, 23% above 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 24.1% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 96760 is valued at $371,500, 22.4% above the national figure, while median gross rent runs $1,208 a month, 14.1% below the national figure, or roughly $14,496 across a full year. A household on the local median income would put about 15% 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 3.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 86% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

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.

ZIP 96760 is tabulated inside Hawaii County, Hawaii, one of 28 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 96760 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96760 reports a median household income of $96,615, 26% above the $76,585 county median, and 6% above the $91,429 typical HI ZIP. Owner-occupied homes are valued at a median of $371,500, 31% below the county figure and 49% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,208 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 96760 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 96760 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.