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 High-density area
- $88,802
- Median income Above-median income area
- $882,400
- Median home value Above-median home value
- 31.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 96746 (Kapaa, HI) rose +3.2% from 2023 to 2024. The all-transactions index moved from 409.9 in 2023 to 423.1 in 2024 (2000 = 100).
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 average Hawaii ZIP), while per-capita income is $47,438. The poverty rate is 8.9%, with unemployment at 3.8%; those measures add context to the income figure. Median home value is $882,400 (14% above the average Hawaii ZIP) and median rent is $2,063; 68.1% of occupied homes are owner-occupied.
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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Kauai County, so 96746 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 96746
Top 5 sectors by establishment count in Kapaa, HI
Which industries have the most business establishments in ZIP 96746.
- Construction
Construction
93 establishments
- Accommodation and food services
Accommodation and food services
77 establishments
- Retail trade
Retail trade
76 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
44 establishments
- Other services (except public administration)
Other services (except public administration)
40 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 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
Who lives in ZIP 96746?
47.7
Median Age
49.3%
Male
50.7%
Female
13.8%
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?
$88,802
Median Household Income
-4% vs state ZIP avg
$47,438
Per Capita Income
8.9%
Poverty Rate
3.8%
Unemployment Rate
25.3 min
Mean Commute Time
How ZIP 96746 ranks among Hawaii ZIPs
Kapaa, 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)
$88,802 40th percentile higher than 40% 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
8,024housing units
8,024
Total Housing Units
6,669
Occupied Units
1,355
Vacant Units
2.88
Avg Household Size
Occupancy Type
$882,400
Median Home Value
+14% vs state ZIP avg
$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.
- 96746
Kapaa (96746)
18,319 residents
- 96766
Lihue (96766)
14,683 residents
- 96741 5,929
Kalaheo (96741)
5,929 residents
- 96754 4,084
Kilauea (96754)
4,084 residents
- 96722 2,484
Princeville (96722)
2,484 residents
- 96703 2,368
Anahola (96703)
2,368 residents
- 96751 175
Kealia (96751)
175 residents
What this shows Among its immediate neighbors, ZIP 96746 ranks the most populous - useful context the national average alone can't give.
ZIP 96746 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 96741
Kalaheo (96741)
$110,873 median income
- 96722
Princeville (96722)
$100,938 median income
- 96766
Lihue (96766)
$100,678 median income
- 96703
Anahola (96703)
$98,214 median income
- 96754
Kilauea (96754)
$90,353 median income
- 96746
Kapaa (96746)
$88,802 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 96746, 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 (18,319 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kauai County
Related Areas
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.
Related
Take this with you
What to do with ZIP 96746's numbers, next.
- See how ZIP 96746 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Kapaa, 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.