Kailua Kona, HI · standard

ZIP Code 96740

Hawaii County, Hawaii — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 15, 2026

33,321
54/sq mi: $95,542
Median income: $760,600
Median home value: 35.2%
Bachelor's or higher

The verdict

Kailua Kona pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 22%
household income, US ZIPs: Top 5%
home value, US ZIPs: 54
people per sq mi: 72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 96740 against every reporting US ZIP.

ZIP code 96740 is classified by USPS as a standard delivery area and covers roughly 612.5 square miles in Kailua Kona, Hawaii County, Hawaii. The area is home to 33,321 residents, producing a population density of 54 people per square mile, and falls within the Pacific/Honolulu time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 96740 against Hawaii and the nation.

On the economic side, the median household income for ZIP 96740 sits at $95,542 (3% above the Hawaii average), while per-capita income is $47,557. The poverty rate stands at 12.6% and the unemployment rate at 4.1%. On housing, the median home value is $760,600 (2% below the state average) with median rent at $1,673 per month, and 71.8% of occupied units are owner-occupied, a direct signal of whether 96740 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 35.2% of adults hold a bachelor's degree or higher, the median age is 44.3, and the average commute is 21 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hawaii County, so you can benchmark 96740 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 96740

Retail trade

188
Accommodation and food services

155
Other services (except public administration)

149
Construction

146
Professional, scientific, and technical services

138

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 96740, Kailua Kona, HI · 2023 Accessed 2026-06-15 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

33,321

Population

612.5

Area (sq mi)

People / sq mi

Pacific/Honolulu

Time Zone

standard

ZIP Type

Neighborhood Scorecard

Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.

View Scorecard →

Who lives in ZIP 96740?

44.3

Median Age

48.3%

Male

51.7%

Female

14.6%

Foreign-Born

White 45.1%

African American 0.6%

Asian 15.5%

American Indian or Alaska Native 0.2%

Native Hawaiian or Pacific Islander 13.8%

Two or More Ethnicities 22.0%

Hispanic or Latino 7.7%

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?

$95,542

Median Household Income

+3% vs state

$47,557

Per Capita Income

12.6%

Poverty Rate

4.1%

Unemployment Rate

21.1 min

Mean Commute Time

How ZIP 96740 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$95,542 Top 22% higher than 78% of 30,318 US ZIPs

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 60.3%

Bachelor's Degree or Higher 35.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

18,967

Total Housing Units

13,925

Occupied Units

5,042

Vacant Units

2.80

Avg Household Size

Occupancy Type

Owner 71.8%

Renter 28.2%

$760,600

Median Home Value

-2% vs state

$1,673

Median Rent

1988

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

+0.2%

YoY Change (2024)

343

HPI Index (2000 = 100)

+243%

Total Change Since 2000

Home values in ZIP 96740 have increased 0.2% over the past year (2024). Since 2000, this ZIP has seen +243% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+4.1%	229
2021	+10.6%	253
2022	+25.6%	318
2023	+7.6%	342
2024	+0.2%	343

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 1,394 business establishments in ZIP 96740, employing approximately 18,204 people with a combined annual payroll of $939,437,000.

1,394

Businesses

18,204

Employees

$939.4M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Retail trade	188	13.5%
Accommodation and food services	155	11.1%
Other services (except public administration)	149	10.7%
Construction	146	10.5%
Professional, scientific, and technical services	138	9.9%
Administrative and support and waste management and remediation services	113	8.1%
Real estate and rental and leasing	108	7.8%
Health care and social assistance	103	7.4%
Transportation and warehousing	83	6.0%
Wholesale trade	54	3.9%
Finance and insurance	44	3.2%
Arts, entertainment, and recreation	37	2.6%
Manufacturing	29	2.1%
Information	21	1.5%
Educational services	16	1.1%
Agriculture, forestry, fishing and hunting	3	0.2%
Utilities	3	0.2%
Management of companies and enterprises	3	0.2%

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 96740 vs 96725 →

ZIP Code	City	Population	Distance
96725	Holualoa, HI	3,592	8.0 mi

More ZIP Codes in Hawaii County

Hawaii County Kailua Kona, HI Hawaii

Frequently Asked Questions

What county is ZIP code 96740 in? ▼

ZIP code 96740 (Kailua Kona) 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 96740? ▼

ZIP code 96740 in Kailua Kona, HI has a population of 33,321 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 96740? ▼

The median household income in ZIP 96740 is $95,542, which is 25% above the national average of $76,288.

What is the average home value in ZIP 96740? ▼

The median home value in ZIP 96740 is $760,600, which is 173% above the national average of $278,155.

What is the demographic makeup of ZIP 96740? ▼

The largest racial group in ZIP 96740 is White at 45.1%. Hispanic or Latino residents make up 7.7% of the population.

How many businesses are in ZIP code 96740? ▼

ZIP code 96740 has 1,394 business establishments employing approximately 18,204 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 96740? ▼

The top industries by establishment count in ZIP 96740 are: Retail trade (188), Accommodation and food services (155), Other services (except public administration) (149). There are 18 industry sectors represented in total.

How have home values changed in ZIP code 96740? ▼

According to the FHFA House Price Index, home values in ZIP 96740 increased by 0.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 243%. 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 96740? ▼

In ZIP code 96740, 60.3% of residents aged 25+ have a high school diploma or higher, and 35.2% 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 96740? ▼

The mean commute time for workers in ZIP code 96740 is 21.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 96740? ▼

In ZIP code 96740, approximately 71.8% of occupied housing units are owner-occupied and 28.2% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 96740? ▼

The poverty rate in ZIP code 96740 is 12.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.