ZIP Code 96781

ZIP code 96781 is classified by USPS as a standard delivery area and covers roughly 104.4 square miles in Papaikou, Hawaii County, Hawaii. The area is home to 1,670 residents, producing a population density of 16 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 96781 against Hawaii and the nation.

On the economic side, the median household income for ZIP 96781 sits at $96,400 (4% above the Hawaii average), while per-capita income is $43,867. The poverty rate stands at 10.4% and the unemployment rate at 2.0%. On housing, the median home value is $828,500 (7% above the state average) with median rent at $1,500 per month, and 82.2% of occupied units are owner-occupied, a direct signal of whether 96781 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 26.2% of adults hold a bachelor's degree or higher, the median age is 48.8, and the average commute is —. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hawaii County, so you can benchmark 96781 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 →