ZIP code 96772

ZIP 96772 is a small town in Hawaii County, Hawaii, with 2,556 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #62 of 97 ranked by population — larger than 36% of them. The median age here is 48.4 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 96772 earn a median of $61,250 a year, 22% below the national figure of $78,538. 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 14% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 96772 is valued at $396,300, 30.6% above the national figure, while median gross rent runs $1,509 a month, 7.3% above the national figure, or roughly $18,108 across a full year. A household on the local median income would put about 29.6% 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 6.5×, 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. 81.4% 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.

Home values sit at 6.5× 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.

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 96772 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 96772 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96772 reports a median household income of $61,250, 20% below the $76,585 county median, and 33% below the $91,429 typical HI ZIP. Owner-occupied homes are valued at a median of $396,300, 27% below the county figure and 46% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,509 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 96772 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 96772 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.