ZIP Code 96786

ZIP code 96786 is classified by USPS as a standard delivery area and covers roughly 212.4 square miles in Wahiawa, Honolulu County, Hawaii. The area is home to 40,859 residents, producing a population density of 192 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 96786 against Hawaii and the nation.

On the economic side, the median household income for ZIP 96786 sits at $85,554 (8% below the Hawaii average), while per-capita income is $34,560. The poverty rate stands at 10.3% and the unemployment rate at 3.9%. On housing, the median home value is $807,900 (4% above the state average) with median rent at $2,787 per month, and 31.1% of occupied units are owner-occupied, a direct signal of whether 96786 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 24.4% of adults hold a bachelor's degree or higher, the median age is 28.7, and the average commute is 23 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Honolulu County, so you can benchmark 96786 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 →