ZIP code 96770

ZIP 96770 is a very small community in Maui County, Hawaii, with 548 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #80 of 97 ranked by population — larger than 17% of them. The median age here is 59.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 96770 earn a median of $56,591 a year, 27.9% below the national figure of $78,538. 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 19.7% 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 96770 is valued at $362,300, 19.4% above the national figure, while median gross rent runs $1,125 a month, 20% below the national figure, or roughly $13,500 across a full year. A household on the local median income would put about 23.9% 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 6.4×, 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. 50.8% 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 6.4× 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 59.9 puts ZIP 96770 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

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.

ZIP 96770 is tabulated inside Maui County, Hawaii, one of 14 ZIP areas the Census publishes for that county and 97 across Hawaii. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 96770 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96770 reports a median household income of $56,591, 39% below the $92,313 county median, and 38% below the $91,429 typical HI ZIP. Owner-occupied homes are valued at a median of $362,300, 55% below the county figure and 51% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,125 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 96770 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 96770 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.