Pahoa, HI · standard

ZIP Code 96778

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

14,409
21/sq mi
$39,750
Median income
$273,800
Median home value
20.1%
Bachelor's or higher

The verdict

Pahoa pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.

5th pct
household income, US ZIPs
Top 38%
home value, US ZIPs
21
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 96778 against every reporting US ZIP.

ZIP code 96778 is classified by USPS as a standard delivery area and covers roughly 696.1 square miles in Pahoa, Hawaii County, Hawaii. The area is home to 14,409 residents, producing a population density of 21 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 96778 against Hawaii and the nation.

On the economic side, the median household income for ZIP 96778 sits at $39,750 (57% below the Hawaii average), while per-capita income is $23,087. The poverty rate stands at 35.4% and the unemployment rate at 12.0%. On housing, the median home value is $273,800 (65% below the state average) with median rent at $1,293 per month, and 79.8% of occupied units are owner-occupied, a direct signal of whether 96778 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 20.1% of adults hold a bachelor's degree or higher, the median age is 47.5, and the average commute is 35 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hawaii County, so you can benchmark 96778 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 96778

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 96778.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 96778, Pahoa, HI · 2023 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

14,409

Population

696.1

Area (sq mi)

21

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 96778?

47.5

Median Age

51.6%

Male

48.4%

Female

9.2%

Foreign-Born

White 42.1%
African American 0.4%
Asian 10.4%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 13.0%
Two or More Ethnicities 29.7%
Hispanic or Latino 14.2%

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?

$39,750

Median Household Income

-57% vs state

$23,087

Per Capita Income

35.4%

Poverty Rate

12.0%

Unemployment Rate

34.7 min

Mean Commute Time

How ZIP 96778 ranks nationally

Household income vs. every US ZIP code

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

$39,750 5th percentile higher than 5% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 57.9%
Bachelor's Degree or Higher 20.1%

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

What does housing look like?

7,098

Total Housing Units

6,303

Occupied Units

795

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 79.8%
Renter 20.2%

$273,800

Median Home Value

-65% vs state

$1,293

Median Rent

1991

Median Year Built

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

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-7.0%

YoY Change (2024)

349

HPI Index (2000 = 100)

+249%

Total Change Since 2000

Home values in ZIP 96778 have decreased 7.0% over the past year (2024). Since 2000, this ZIP has seen +249% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.4% 244
2021 +23.7% 301
2022 +13.0% 340
2023 +10.2% 375
2024 -7.0% 349

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 132 business establishments in ZIP 96778, employing approximately 1,165 people with a combined annual payroll of $35,395,000.

132

Businesses

1,165

Employees

$35.4M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Retail trade 28 21.2%
Accommodation and food services 23 17.4%
Other services (except public administration) 15 11.4%
Professional, scientific, and technical services 12 9.1%
Health care and social assistance 11 8.3%
Construction 10 7.6%
Administrative and support and waste management and remediation services 9 6.8%
Finance and insurance 7 5.3%
Real estate and rental and leasing 5 3.8%
Educational services 3 2.3%

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 96778 vs 96760 →

ZIP 96778 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 96778 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 96778 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 96778 ranks #3 of 3 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
96760 Kurtistown, HI 3,001 9.1 mi
96771 Mountain View, HI 8,339 9.9 mi

More ZIP Codes in Hawaii County

Frequently Asked Questions

What county is ZIP code 96778 in?
ZIP code 96778 (Pahoa) 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 96778?
ZIP code 96778 in Pahoa, HI has a population of 14,409 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 96778?
The median household income in ZIP 96778 is $39,750, which is 48% below the national average of $76,288.
What is the average home value in ZIP 96778?
The median home value in ZIP 96778 is $273,800, which is 2% below the national average of $278,155.
What is the demographic makeup of ZIP 96778?
The largest racial group in ZIP 96778 is White at 42.1%. Hispanic or Latino residents make up 14.2% of the population.
How many businesses are in ZIP code 96778?
ZIP code 96778 has 132 business establishments employing approximately 1,165 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 96778?
The top industries by establishment count in ZIP 96778 are: Retail trade (28), Accommodation and food services (23), Other services (except public administration) (15). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 96778?
According to the FHFA House Price Index, home values in ZIP 96778 decreased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 249%. 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 96778?
In ZIP code 96778, 57.9% of residents aged 25+ have a high school diploma or higher, and 20.1% 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 96778?
The mean commute time for workers in ZIP code 96778 is 34.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 96778?
In ZIP code 96778, approximately 79.8% of occupied housing units are owner-occupied and 20.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 96778?
The poverty rate in ZIP code 96778 is 35.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Pahoa, HI

Verify and explore additional data for this area using these official government sources.