Waikoloa, HI · standard
ZIP Code 96738
Hawaii County, Hawaii - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 6,609
- 29/sq mi Moderate-density area
- $80,928
- Median income Near-median income area
- $813,800
- Median home value Above-median home value
- 32.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Waikoloa pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 37%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 29
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 96738 against every reporting US ZIP.
ZIP code 96738 is a mid-sized community (a standard USPS delivery area) in Waikoloa, Hawaii County, Hawaii, home to 6,609 residents across 231.9 square miles, a density of 29 people per square mile, in the Pacific/Honolulu time zone.
ZIP 96738 lands in the middle-income range, with a median household income of $80,928 (13% below the average Hawaii ZIP), while per-capita income is $35,251. The poverty rate is 13.0%, with unemployment at 8.3%; those measures add context to the income figure. Median home value is $813,800 (5% above the average Hawaii ZIP) and median rent is $2,184; 69.8% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 32.5% of adults hold a bachelor's degree or higher, the median age is 40.3, and the average commute is -. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Hawaii County, so 96738 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 96738
Top 5 sectors by establishment count in Waikoloa, HI
Which industries have the most business establishments in ZIP 96738.
- Retail trade
Retail trade
46 establishments
- Accommodation and food services
Accommodation and food services
29 establishments
- Construction
Construction
25 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
25 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
23 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 96738, Waikoloa, 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
6,609
Population
231.9
Area (sq mi)
29
People / sq mi
Pacific/Honolulu
Time Zone
standard
ZIP Type
Who lives in ZIP 96738?
40.3
Median Age
50.2%
Male
49.8%
Female
22.8%
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?
$80,928
Median Household Income
-13% vs state ZIP avg
$35,251
Per Capita Income
13.0%
Poverty Rate
8.3%
Unemployment Rate
How ZIP 96738 ranks among Hawaii ZIPs
Waikoloa, 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)
$80,928 29th percentile higher than 29% 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
4,884housing units
4,884
Total Housing Units
2,703
Occupied Units
2,181
Vacant Units
2.91
Avg Household Size
Occupancy Type
$813,800
Median Home Value
+5% vs state ZIP avg
$2,184
Median Rent
1996
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
+21.1%
YoY Change (2022)
324
HPI Index (2000 = 100)
+224%
Total Change Since 2000
Home values in ZIP 96738 have increased 21.1% over the past year (2022). Since 2000, this ZIP has seen +224% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2017 | +2.0% | 206 |
| 2018 | +15.5% | 238 |
| 2020 | – | 246 |
| 2021 | +8.9% | 268 |
| 2022 | +21.1% | 324 |
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 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 226 business establishments in ZIP 96738, employing approximately 2,941 people with a combined annual payroll of $160,779,000.
226
Businesses
2,941
Employees
$160.8M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 46 | 20.4% |
| Accommodation and food services | 29 | 12.8% |
| Construction | 25 | 11.1% |
| Real estate and rental and leasing | 25 | 11.1% |
| Administrative and support and waste management and remediation services | 23 | 10.2% |
| Other services (except public administration) | 23 | 10.2% |
| Professional, scientific, and technical services | 21 | 9.3% |
| Transportation and warehousing | 7 | 3.1% |
| Health care and social assistance | 7 | 3.1% |
| Arts, entertainment, and recreation | 5 | 2.2% |
| Wholesale trade | 4 | 1.8% |
| Finance and insurance | 4 | 1.8% |
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 96738 vs 96743 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 96743 | Kamuela, HI | 12,160 | 7.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 96738, 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 (6,609 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 96738 in?
ZIP code 96738 (Waikoloa) 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 96738?
ZIP code 96738 in Waikoloa, HI has a population of 6,609 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 96738?
The median household income in ZIP 96738 is $80,928, which is 6% above the national average of $76,288.
What is the average home value in ZIP 96738?
The median home value in ZIP 96738 is $813,800, which is 193% above the national average of $278,155.
What is the demographic makeup of ZIP 96738?
The largest racial group in ZIP 96738 is White at 43.5%. Hispanic or Latino residents make up 8.4% of the population.
How many businesses are in ZIP code 96738?
ZIP code 96738 has 226 business establishments employing approximately 2,941 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 96738?
The top industries by establishment count in ZIP 96738 are: Retail trade (46), Accommodation and food services (29), Construction (25). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 96738?
According to the FHFA House Price Index, home values in ZIP 96738 increased by 21.1% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 224%. 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 96738?
In ZIP code 96738, 62.3% of residents aged 25+ have a high school diploma or higher, and 32.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 96738?
In ZIP code 96738, approximately 69.8% of occupied housing units are owner-occupied and 30.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 96738?
The poverty rate in ZIP code 96738 is 13.0% 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 96738's numbers, next.
- See how ZIP 96738 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waikoloa, HI ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.