PlainZIP

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
$85,554
Median income
$807,900
Median home value
24.4%
Bachelor's or higher

The verdict

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.

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 Hawaii average), while per-capita income is $34,560. Local economic indicators show a 10.3% poverty rate alongside 3.9% unemployment. Housing costs here run $807,900 for a typical home value (4% above the state average), with rent averaging $2,787 a month; 31.1% of 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. To put 96786 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Honolulu County, for a geography-aware comparison.

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.

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 + 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

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 96786?

28.7

Median Age

51.9%

Male

48.1%

Female

14.8%

Foreign-Born

White 29.3%
African American 9.7%
Asian 25.5%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 7.6%
Two or More Ethnicities 25.4%
Hispanic or Latino 17.2%

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?

$85,554

Median Household Income

-8% vs state

$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

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 54.7%
Bachelor's Degree or Higher 24.4%

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

What does housing look like?

14,125

Total Housing Units

12,989

Occupied Units

1,136

Vacant Units

3.04

Avg Household Size

Occupancy Type

Owner 31.1%
Renter 68.9%

$807,900

Median Home Value

+4% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 96786 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 96786 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 96786 ranks #8 of 9 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
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

More ZIP Codes in Honolulu County

96797 standard
Waipahu, HI
Pop: 72,289
96706 standard
Ewa Beach, HI
Pop: 62,730
96817 standard
Honolulu, HI
Pop: 54,628
96744 standard
Kaneohe, HI
Pop: 54,247
96789 standard
Mililani, HI
Pop: 54,129
96734 standard
Kailua, HI
Pop: 50,746

Related Areas

Honolulu County Wahiawa, HI Hawaii

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.

Read our methodology to see how this data is sourced, computed, and verified.