Kapaa, HI · standard

ZIP Code 96746

Kauai 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

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 classified by USPS as a standard delivery area and covers roughly 132.8 square miles in Kapaa, Kauai County, Hawaii. The area is home to 18,319 residents, producing a population density of 138 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 96746 against Hawaii and the nation.

On the economic side, the median household income for ZIP 96746 sits at $88,802 (4% below the Hawaii average), while per-capita income is $47,438. The poverty rate stands at 8.9% and the unemployment rate at 3.8%. On housing, the median home value is $882,400 (14% above the state average) with median rent at $2,063 per month, and 68.1% of occupied units are owner-occupied, a direct signal of whether 96746 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 31.7% of adults hold a bachelor's degree or higher, the median age is 47.7, and the average commute is 25 minutes. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Kauai County, so you can benchmark 96746 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 96746

Construction

93
Accommodation and food services

77
Retail trade

76
Administrative and support and waste management and remediation services

44
Other services (except public administration)

40

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 96746, Kapaa, 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

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

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

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

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 →

96746

18,319
96766

14,683
96741

5,929
96754

4,084
96722

2,484
96703

2,368
96751

175

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

96741

$110,873
96722

$100,938
96766

$100,678
96703

$98,214
96754

$90,353
96746

$88,802

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.

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

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.