Wahiawa, HI · standard
ZIP Code 96786
Honolulu County, Hawaii - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 40,859
- 192/sq mi High-density area
- $85,554
- Median income Above-median income area
- $807,900
- Median home value Above-median home value
- 24.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Wahiawa pairs an above-median household income with top-decile home values, in a rural, renter-heavy area.
- Top 31%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 192
- people per sq mi
- 31%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 96786 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 96786 (Wahiawa, HI) fell -2.6% from 2023 to 2024. The all-transactions index moved from 386.7 in 2023 to 376.6 in 2024 (2000 = 100).
ZIP code 96786 is a densely settled ZIP (a standard USPS delivery area) in Wahiawa, Honolulu County, Hawaii, with 40,859 residents across 212.4 square miles, a density of 192 people per square mile, in the Pacific/Honolulu time zone.
ZIP 96786 lands in the middle-income range, with a median household income of $85,554 (8% below the average Hawaii ZIP), while per-capita income is $34,560. The poverty rate is 10.3%, with unemployment at 3.9%; those measures add context to the income figure. Median home value is $807,900 (4% above the average Hawaii ZIP) and median rent is $2,787; 31.1% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 24.4% of adults hold a bachelor's degree or higher, the median age is 28.7, and the average commute is 23 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Honolulu County, so 96786 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 96786
Top 5 sectors by establishment count in Wahiawa, HI
Which industries have the most business establishments in ZIP 96786.
- Accommodation and food services
Accommodation and food services
48 establishments
- Other services (except public administration)
Other services (except public administration)
48 establishments
- Retail trade
Retail trade
47 establishments
- Construction
Construction
39 establishments
- Health care and social assistance
Health care and social assistance
38 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 96786, Wahiawa, 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
40,859
Population
212.4
Area (sq mi)
192
People / sq mi
Pacific/Honolulu
Time Zone
standard
ZIP Type
Who lives in ZIP 96786?
28.7
Median Age
51.9%
Male
48.1%
Female
14.8%
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?
$85,554
Median Household Income
-8% vs state ZIP avg
$34,560
Per Capita Income
10.3%
Poverty Rate
3.9%
Unemployment Rate
23.3 min
Mean Commute Time
How ZIP 96786 ranks nationally
Wahiawa, HI household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$85,554 Top 31% higher than 69% 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
14,125housing units
14,125
Total Housing Units
12,989
Occupied Units
1,136
Vacant Units
3.04
Avg Household Size
Occupancy Type
$807,900
Median Home Value
+4% vs state ZIP avg
$2,787
Median Rent
1977
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
-2.6%
YoY Change (2024)
377
HPI Index (2000 = 100)
+277%
Total Change Since 2000
Home values in ZIP 96786 have decreased 2.6% over the past year (2024). Since 2000, this ZIP has seen +277% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 292 |
| 2021 | +4.1% | 304 |
| 2022 | +17.5% | 357 |
| 2023 | +8.2% | 387 |
| 2024 | -2.6% | 377 |
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 327 business establishments in ZIP 96786, employing approximately 3,448 people with a combined annual payroll of $145,417,000.
327
Businesses
3,448
Employees
$145.4M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 48 | 14.7% |
| Other services (except public administration) | 48 | 14.7% |
| Retail trade | 47 | 14.4% |
| Construction | 39 | 11.9% |
| Health care and social assistance | 38 | 11.6% |
| Professional, scientific, and technical services | 32 | 9.8% |
| Administrative and support and waste management and remediation services | 19 | 5.8% |
| Real estate and rental and leasing | 16 | 4.9% |
| Finance and insurance | 11 | 3.4% |
| Educational services | 7 | 2.1% |
| Transportation and warehousing | 6 | 1.8% |
| Manufacturing | 5 | 1.5% |
| Wholesale trade | 4 | 1.2% |
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 96786 vs 96712 →
ZIP 96786 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 96797
Waipahu (96797)
72,289 residents
- 96789
Mililani (96789)
54,129 residents
- 96786
Wahiawa (96786)
40,859 residents
- 96782
Pearl City (96782)
40,496 residents
- 96791 8,014
Waialua (96791)
8,014 residents
- 96712 7,352
Haleiwa (96712)
7,352 residents
- 96762 6,419
Laie (96762)
6,419 residents
- 96717 5,555
Hauula (96717)
5,555 residents
- 96731 3,292
Kahuku (96731)
3,292 residents
What this shows Among its immediate neighbors, ZIP 96786 ranks #3 by population - useful context the national average alone can't give.
ZIP 96786 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 96789
Mililani (96789)
$127,066 median income
- 96762
Laie (96762)
$125,645 median income
- 96797
Waipahu (96797)
$114,654 median income
- 96782
Pearl City (96782)
$108,669 median income
- 96717
Hauula (96717)
$102,978 median income
- 96791
Waialua (96791)
$97,470 median income
- 96712
Haleiwa (96712)
$88,333 median income
- 96786
Wahiawa (96786)
$85,554 median income
- 96731
Kahuku (96731)
$73,417 median income
What this shows By household income, ZIP 96786 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 96712 | Haleiwa, HI | 7,352 | 5.5 mi |
| 96857 | Schofield Barracks, HI | 2,522 | 5.5 mi |
| 96789 | Mililani, HI | 54,129 | 6.0 mi |
| 96717 | Hauula, HI | 5,555 | 7.4 mi |
| 96762 | Laie, HI | 6,419 | 6.4 mi |
| 96731 | Kahuku, HI | 3,292 | 8.1 mi |
| 96759 | Kunia, HI | 457 | 7.4 mi |
| 96791 | Waialua, HI | 8,014 | 9.4 mi |
| 96797 | Waipahu, HI | 72,289 | 9.4 mi |
| 96782 | Pearl City, HI | 40,496 | 10.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 96786, 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 (40,859 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Honolulu County
Related Areas
Frequently Asked Questions
What county is ZIP code 96786 in?
ZIP code 96786 (Wahiawa) is located in Honolulu County, Hawaii. Honolulu County contains multiple ZIP codes, see the full list at /counties/honolulu-hi.
What is the population of ZIP code 96786?
ZIP code 96786 in Wahiawa, HI has a population of 40,859 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 96786?
The median household income in ZIP 96786 is $85,554, which is 12% above the national average of $76,288.
What is the average home value in ZIP 96786?
The median home value in ZIP 96786 is $807,900, which is 190% above the national average of $278,155.
What is the demographic makeup of ZIP 96786?
The largest racial group in ZIP 96786 is White at 29.3%. Hispanic or Latino residents make up 17.2% of the population.
How many businesses are in ZIP code 96786?
ZIP code 96786 has 327 business establishments employing approximately 3,448 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 96786?
The top industries by establishment count in ZIP 96786 are: Accommodation and food services (48), Other services (except public administration) (48), Retail trade (47). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 96786?
According to the FHFA House Price Index, home values in ZIP 96786 decreased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 277%. 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 96786?
In ZIP code 96786, 54.7% of residents aged 25+ have a high school diploma or higher, and 24.4% 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 96786?
The mean commute time for workers in ZIP code 96786 is 23.3 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 96786?
In ZIP code 96786, approximately 31.1% of occupied housing units are owner-occupied and 68.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 96786?
The poverty rate in ZIP code 96786 is 10.3% 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 96786's numbers, next.
- See how ZIP 96786 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Wahiawa, 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.