ZIP code 96815

ZIP 96815 is a small city in Honolulu County, Hawaii, with 27,146 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #22 of 97 ranked by population — larger than 78% of them. The median age here is 49.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 96815 earn a median of $75,020 a year, 4.5% 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 11.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 96815 is valued at $627,600, 106.9% above the national figure, while median gross rent runs $1,903 a month, 35.3% above the national figure, or roughly $22,836 across a full year. A household on the local median income would put about 30.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 8.4×, 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. 44.6% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. 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 8.4× 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.

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 96815 is tabulated inside Honolulu County, Hawaii, one of 38 ZIP areas the Census publishes for that county and 97 across Hawaii. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 96815 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96815 reports a median household income of $75,020, 29% below the $105,068 county median, and 18% below the $91,429 typical HI ZIP. Owner-occupied homes are valued at a median of $627,600, 28% below the county figure and 15% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,903 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 96815 carries 4.5% at the register, assembled from the Honolulu jurisdiction stack: the Hawaii state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 96815 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

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 96815 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.