Captain Cook, HI · standard
ZIP Code 96704
Hawaii County, Hawaii - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,505
- 9/sq mi Low-density area
- $86,941
- Median income Above-median income area
- $662,200
- Median home value Above-median home value
- 30.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Captain Cook pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 30%
- household income, US ZIPs
- Top 7%
- home value, US ZIPs
- 9
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 96704 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 96704 (Captain Cook, HI) rose +10.8% from 2023 to 2024. The all-transactions index moved from 272.3 in 2023 to 301.7 in 2024 (2000 = 100).
ZIP code 96704 is a mid-sized community (a standard USPS delivery area) in Captain Cook, Hawaii County, Hawaii, home to 6,505 residents across 739.2 square miles, a density of 9 people per square mile, in the Pacific/Honolulu time zone.
ZIP 96704 lands in the middle-income range, with a median household income of $86,941 (6% below the average Hawaii ZIP), while per-capita income is $46,244. The poverty rate is 11.8%, with unemployment at 7.0%; those measures add context to the income figure. Median home value is $662,200 (15% below the average Hawaii ZIP) and median rent is $2,053; 78.1% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 30.7% of adults hold a bachelor's degree or higher, the median age is 48.8, and the average commute is 34 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Hawaii County, so 96704 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 96704
Top 5 sectors by establishment count in Captain Cook, HI
Which industries have the most business establishments in ZIP 96704.
- Construction
Construction
15 establishments
- Retail trade
Retail trade
12 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
8 establishments
- Accommodation and food services
Accommodation and food services
8 establishments
- Other services (except public administration)
Other services (except public administration)
8 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 96704, Captain Cook, HI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
6,505
Population
739.2
Area (sq mi)
9
People / sq mi
Pacific/Honolulu
Time Zone
standard
ZIP Type
Who lives in ZIP 96704?
48.8
Median Age
51.9%
Male
48.1%
Female
10.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$86,941
Median Household Income
-6% vs state ZIP avg
$46,244
Per Capita Income
11.8%
Poverty Rate
7.0%
Unemployment Rate
33.5 min
Mean Commute Time
How ZIP 96704 ranks among Hawaii ZIPs
Captain Cook, HI household income vs. every Hawaii ZIP code
Median household income among 83 reporting Hawaii ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$86,941 35th percentile higher than 35% of 83 Hawaii ZIPs
Each bar is a $20K-wide band; taller bars hold more Hawaii ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
3,351housing units
3,351
Total Housing Units
2,447
Occupied Units
904
Vacant Units
2.97
Avg Household Size
Occupancy Type
$662,200
Median Home Value
-15% vs state ZIP avg
$2,053
Median Rent
1989
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+10.8%
YoY Change (2024)
302
HPI Index (2000 = 100)
+202%
Total Change Since 2000
Home values in ZIP 96704 have increased 10.8% over the past year (2024). Since 2000, this ZIP has seen +202% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +12.2% | 213 |
| 2021 | +15.3% | 246 |
| 2022 | +32.9% | 327 |
| 2023 | -16.7% | 272 |
| 2024 | +10.8% | 302 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 77 business establishments in ZIP 96704, employing approximately 355 people with a combined annual payroll of $15,436,000.
77
Businesses
355
Employees
$15.4M
Annual Payroll
8
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 15 | 19.5% |
| Retail trade | 12 | 15.6% |
| Professional, scientific, and technical services | 8 | 10.4% |
| Accommodation and food services | 8 | 10.4% |
| Other services (except public administration) | 8 | 10.4% |
| Administrative and support and waste management and remediation services | 7 | 9.1% |
| Health care and social assistance | 7 | 9.1% |
| Real estate and rental and leasing | 3 | 3.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 96704 vs 96726 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 96726 | Honaunau, HI | 661 | 7.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 96704, both outside HI so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (6,505 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hawaii County
Related Areas
Frequently Asked Questions
What county is ZIP code 96704 in?
ZIP code 96704 (Captain Cook) is located in Hawaii County, Hawaii. Hawaii County contains multiple ZIP codes, see the full list at /counties/hawaii-hi.
What is the population of ZIP code 96704?
ZIP code 96704 in Captain Cook, HI has a population of 6,505 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 96704?
The median household income in ZIP 96704 is $86,941, which is 14% above the national average of $76,288.
What is the average home value in ZIP 96704?
The median home value in ZIP 96704 is $662,200, which is 138% above the national average of $278,155.
What is the demographic makeup of ZIP 96704?
The largest racial group in ZIP 96704 is White at 43.0%. Hispanic or Latino residents make up 7.9% of the population.
How many businesses are in ZIP code 96704?
ZIP code 96704 has 77 business establishments employing approximately 355 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 96704?
The top industries by establishment count in ZIP 96704 are: Construction (15), Retail trade (12), Professional, scientific, and technical services (8). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 96704?
According to the FHFA House Price Index, home values in ZIP 96704 increased by 10.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 202%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 96704?
In ZIP code 96704, 57.8% of residents aged 25+ have a high school diploma or higher, and 30.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 96704?
The mean commute time for workers in ZIP code 96704 is 33.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 96704?
In ZIP code 96704, approximately 78.1% of occupied housing units are owner-occupied and 21.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 96704?
The poverty rate in ZIP code 96704 is 11.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 96704's numbers, next.
- See how ZIP 96704 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Captain Cook, HI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.