ZIP 96734 vs ZIP 96863

This side-by-side compares ZIP 96734 (Kailua, HI) and ZIP 96863 (Mcbh Kaneohe Bay, HI) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 96734 has a population of 50,746 at 900 people per square mile, while ZIP 96863 has 52 at 709 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 96734 reports a median household income of $132,782 against — in ZIP 96863, with per-capita income of $56,228 vs $30,510. The share of adults holding a bachelor's degree or higher is 54.2% in 96734 and 14.5% in 96863. Poverty rate reads 4.8% vs —, and unemployment 3.3% vs 0.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $1,367,600 in 96734 versus — in 96863, with median rent of $3,316 and — per month respectively. Homeownership rate is 62.8% vs —. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.