ZIP code 96817

ZIP 96817 is a small city in Honolulu County, Hawaii, with 55,213 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #4 of 97 ranked by population — larger than 96% of them. The median age here is 45.4 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 96817 earn a median of $74,690 a year, 4.9% 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 15.3% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 96817 is valued at $930,000, 206.5% above the national figure, while median gross rent runs $1,419 a month, essentially level with the national figure, or roughly $17,028 across a full year. A household on the local median income would put about 22.8% 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 12.5×, 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. 43.1% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. 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 12.5× 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.

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 96817 is tabulated inside Honolulu County, Hawaii, one of 38 ZIP areas the Census publishes for that county and 97 across Hawaii. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. 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 96817 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96817 reports a median household income of $74,690, 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 $930,000, 7% above the county figure and 27% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,419 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 96817 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 96817 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 96817 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.