PlainZIP

Kapaa, HI · standard

ZIP Code 96746

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

18,319
138/sq mi
$88,802
Median income
$882,400
Median home value
31.7%
Bachelor's or higher

The verdict

Kapaa pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.

Top 28%
household income, US ZIPs
Top 3%
home value, US ZIPs
138
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 96746 against every reporting US ZIP.

ZIP code 96746 is a mid-sized community (a standard USPS delivery area) in Kapaa, Kauai County, Hawaii, home to 18,319 residents across 132.8 square miles, a density of 138 people per square mile, in the Pacific/Honolulu time zone.

ZIP 96746 lands in the middle-income range, with a median household income of $88,802 (4% below the Hawaii average), while per-capita income is $47,438. Poverty here runs at 8.9%, with unemployment measured at 3.8%. Median home value sits at $882,400 (14% above the state average), median rent at $2,063 a month, and owner-occupancy at 68.1%.

A solid share of residents have a four-year degree: 31.7% of adults hold a bachelor's degree or higher, the median age is 47.7, and the average commute is 25 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 96746, plus 6 more within Kauai County, give a clearer read than the national average alone.

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 96746

Top 5 sectors by establishment count in Kapaa, HI

Which industries have the most business establishments in ZIP 96746.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 96746, Kapaa, 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

18,319

Population

132.8

Area (sq mi)

138

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 96746?

47.7

Median Age

49.3%

Male

50.7%

Female

13.8%

Foreign-Born

White 35.3%
African American 0.7%
Asian 29.3%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 6.5%
Two or More Ethnicities 26.5%
Hispanic or Latino 11.0%

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?

$88,802

Median Household Income

-4% vs state

$47,438

Per Capita Income

8.9%

Poverty Rate

3.8%

Unemployment Rate

25.3 min

Mean Commute Time

How ZIP 96746 ranks nationally

Kapaa, HI household income vs. every US ZIP code

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

$88,802 Top 28% higher than 72% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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 58.7%
Bachelor's Degree or Higher 31.7%

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

What does housing look like?

8,024

Total Housing Units

6,669

Occupied Units

1,355

Vacant Units

2.88

Avg Household Size

Occupancy Type

Owner 68.1%
Renter 31.9%

$882,400

Median Home Value

+14% vs state

$2,063

Median Rent

1983

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

+3.2%

YoY Change (2024)

423

HPI Index (2000 = 100)

+323%

Total Change Since 2000

Home values in ZIP 96746 have increased 3.2% over the past year (2024). Since 2000, this ZIP has seen +323% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.3% 288
2021 +9.4% 315
2022 +18.9% 374
2023 +9.5% 410
2024 +3.2% 423

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 491 business establishments in ZIP 96746, employing approximately 4,254 people with a combined annual payroll of $201,082,000.

491

Businesses

4,254

Employees

$201.1M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Construction 93 18.9%
Accommodation and food services 77 15.7%
Retail trade 76 15.5%
Administrative and support and waste management and remediation services 44 9.0%
Other services (except public administration) 40 8.2%
Professional, scientific, and technical services 35 7.1%
Health care and social assistance 35 7.1%
Real estate and rental and leasing 28 5.7%
Finance and insurance 14 2.9%
Manufacturing 10 2.0%
Wholesale trade 10 2.0%
Transportation and warehousing 9 1.8%
Arts, entertainment, and recreation 6 1.2%
Educational services 5 1.0%
Information 4 0.8%

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 96746 vs 96703 →

ZIP 96746 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 96746 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 96746 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 96746 ranks #6 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
96703 Anahola, HI 2,368 4.5 mi
96751 Kealia, HI 175 5.1 mi
96754 Kilauea, HI 4,084 6.1 mi
96766 Lihue, HI 14,683 6.9 mi
96722 Princeville, HI 2,484 9.5 mi
96741 Kalaheo, HI 5,929 12.8 mi

More ZIP Codes in Kauai County

96766 standard
Lihue, HI
Pop: 14,683
96741 standard
Kalaheo, HI
Pop: 5,929
96756 standard
Koloa, HI
Pop: 5,190
96754 standard
Kilauea, HI
Pop: 4,084
96752 standard
Kekaha, HI
Pop: 3,680
96716 standard
Hanapepe, HI
Pop: 2,823

Related Areas

Kauai County Kapaa, HI Hawaii

Frequently Asked Questions

What county is ZIP code 96746 in? ▼
ZIP code 96746 (Kapaa) is located in Kauai County, Hawaii. Kauai County contains multiple ZIP codes, see the full list at /counties/kauai-hi.
What is the population of ZIP code 96746? ▼
ZIP code 96746 in Kapaa, HI has a population of 18,319 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 96746? ▼
The median household income in ZIP 96746 is $88,802, which is 16% above the national average of $76,288.
What is the average home value in ZIP 96746? ▼
The median home value in ZIP 96746 is $882,400, which is 217% above the national average of $278,155.
What is the demographic makeup of ZIP 96746? ▼
The largest racial group in ZIP 96746 is White at 35.3%. Hispanic or Latino residents make up 11.0% of the population.
How many businesses are in ZIP code 96746? ▼
ZIP code 96746 has 491 business establishments employing approximately 4,254 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 96746? ▼
The top industries by establishment count in ZIP 96746 are: Construction (93), Accommodation and food services (77), Retail trade (76). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 96746? ▼
According to the FHFA House Price Index, home values in ZIP 96746 increased by 3.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 323%. 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 96746? ▼
In ZIP code 96746, 58.7% of residents aged 25+ have a high school diploma or higher, and 31.7% 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 96746? ▼
The mean commute time for workers in ZIP code 96746 is 25.3 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 96746? ▼
In ZIP code 96746, approximately 68.1% of occupied housing units are owner-occupied and 31.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 96746? ▼
The poverty rate in ZIP code 96746 is 8.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.