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Population & Demographics

ZIP Code 96738 has 7,447 residents and 2,784 households (average 2.67 persons per household). The median age is 43.9 years, older than the state (40.8) and older than the nation (38.8). The gender split is 50.2% male and 49.8% female, which is slightly higher than the national male share (49.1%). Largest groups are White (44.8%, much higher than the state average of 22.9% and well below the national average of 61.6%) and Asian (16.1%, much lower than the state average of 37.2% and well above the national average of 6.0%); Hispanic or Latino residents make up 10.0%, which is much lower than the national average (18.7%), and Asian share is much higher than the national average (6.0%) and Native Hawaiian & Other Pacific Islander share is much higher than the national average (0.2%).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2024 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	7,447Source: Census DHC
2024 ACS Population Estimate:	7,862Source: Census ACS
2026 ZC Population Estimate:	8,199Source: ZIP-Codes.com
Population Density:	93.3 people per sq mile
Average Income:	$80,928Source: Census ACS

Households:	2,784Source: Census DHC
Average House Value:	$813,800Source: Census ACS
Persons Per Household:	2.67Source: Census DHC
Average Family Size:	2.84Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 96738 population estimates from 2011-2024, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Census ACS Population Estimate	--	6,667	6,353	6,785	7,070	6,619	6,593	6,333	6,728	7,001	7,793	7,899	7,797	7,407	7,862
Decennial Census	6,609	--	--	--	--	--	--	--	--	--	7,447	--	--	--	--

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 43.9

Male Median Age: 42.8

Female Median Age: 45.5

Line chart for ZIP 96738 showing total, male, and female population by age group. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	< 5	5-9	10-14	15-19	20-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
Male	219	280	225	220	135	184	222	250	233	203	264	263	313	320	214	121	43	27
Female	191	237	264	171	115	168	237	247	198	254	270	300	333	323	211	101	64	27
Total	410	517	489	391	250	352	459	497	431	457	534	563	646	643	425	222	107	54

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 96738. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	3,338	52.13%
Black:	38	0.59%
Hispanic:*	746	11.65%
Asian:	1,197	18.69%
American Indian:	43	0.67%
Hawaiian:	868	13.56%
Other:	173	2.70%
Total:	6,403	100%

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 96738. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	3,736	50.17%	42.8 years
Females:	3,711	49.83%	45.5 years
Total:	7,447	100%	43.9 years

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship

Pie chart showing nativity in ZIP 96738. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	5,897	75.01%
Native, born in PR, Island Areas, or abroad:	175	2.23%
Foreign born, naturalized U.S. citizen:	421	5.35%
Foreign born, not a U.S. citizen:	1,369	22.77%
Total Population:	7,862	100%
Total Native Population:	6,072	77.23%
Total Foreign-born Population:	1,790	22.77%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

In 2024, the Median household income is $80,928, which is on par with the national median ($80,734), is up $6,861 (9.3%) since 2011 and above its 2019 pre-pandemic level by $6,059. Family households earn a median of $83,214 versus $76,250 for nonfamily households (a difference of $6,964). By gender, male median income is $55,681 and female is $56,226, which is modestly greater than the national female median ($55,274), with a current gap of $545 that has narrowed from 2011 to 2024. The labor-force participation rate is 57.9%, which is lower than the national rate (63.5%). The unemployment rate is 8.3%, which is much higher than the national rate (5.2%). The largest occupation group is Service (34.9%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line chart showing median income in ZIP 96738 from 2011-2024 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Median Household Income	$74,067	$74,046	$73,285	$76,982	$74,747	$76,875	$73,952	$73,891	$74,869	$77,577	$84,063	$97,083	$90,545	$80,928
Median Family Income	$75,988	$77,353	$74,824	$76,006	$76,378	$82,531	$82,883	$86,076	$88,705	$90,886	$96,583	$105,167	$94,816	$83,214
Median NonFamily Income	$59,946	$67,450	$64,063	$72,750	$61,852	$60,062	$58,346	$54,659	$52,288	$53,285	$54,674	$60,500	$73,333	$76,250
Median Male Income	$51,546	$52,211	$53,576	$54,710	$0	$60,121	$55,232	$54,674	$56,125	$51,257	$54,913	$60,393	$62,226	$55,681
Median Female Income	$41,616	$38,750	$38,175	$40,222	$0	$37,926	$45,404	$47,036	$45,152	$45,219	$44,000	$39,786	$49,485	$56,226

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 96738, city of Waikoloa, Hawaii County, state of Hawaii, and United States national values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 96738, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	3,302	53.16%
Unemployed:	297	4.78%
Not In Labor Force:	2,613	42.06%
Total:	6,212	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	944	28.59%
Service:	1,152	34.89%
Sales and Office:	707	21.41%
Natural resources, construction, and maintenance:	283	8.57%
Production, transportation, and material moving:	216	6.54%
Total Civilian Employed Population:	3,302	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In 2024, the median home value is $813,800, which is much higher than the national median ($332,700), is up $374,200 (85.12%) since 2011 and above its 2019 pre-pandemic level by $372,800. The median gross rent is $2,184, which is considerably higher than the national median ($1,413), is up $617 (39.37%) since 2011 and above its 2019 pre-pandemic level by $619. Of occupied housing, owners make up 69.81% (63.65% with a mortgage, 36.35% free-and-clear) and renters 30.19% - making this ZIP Code under national rental averages. The vacancy rate is 44.66%, which is far higher than the national rate (10.12%).

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 96738, compared with Waikoloa, Hawaii County, state of Hawaii, and the U.S. National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 96738 across years 2011-2024 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Median Home Value	$439,600	$414,800	$387,800	$387,400	$388,000	$381,000	$410,100	$434,500	$441,000	$476,200	$521,100	$627,000	$686,700	$813,800

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 96738, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	37	4.53%
$500 to $999:	52	6.37%
$1,000 to $1,499:	40	4.90%
$1,500 to $1,999:	178	21.81%
$2,000 to $2,499:	144	17.65%
$2,500 to $2,999:	130	15.93%
$3,000 or more:	139	17.03%
No Rent:	96	11.76%
Total:	816	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 96738 over the years 2011-2024 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Median Rent	$1,567	$1,570	$1,601	$1,478	$1,455	$1,466	$1,429	$1,438	$1,565	$1,628	$1,725	$1,722	$2,251	$2,184

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 96738. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	1,201	44.43%
Owner Occupied (free and clear, no mortgage):	686	25.38%
Renter Occupied:	816	30.19%
Total Occupied Housing Units:	2,703	100%

Occupied Housing Units:	2,703	55.34%
Vacant Housing Units (not graphed):	2,181	44.66%
Total Housing Units:	4,884	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 96738. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	2,369	48.51%
Multi-Family Units:	2,515	51.49%
Other Units:	0	0.00%
Total Housing Units:	4,884	100%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

In 2024, 32.50% of adults (25+) have a bachelor's degree or higher, which is comparable to the national rate (35.70%). High school or higher is 97.10%, which is far higher than the national rate (89.60%). The uninsured rate is 3.10%, which is far lower than the national rate (8.40%). Public coverage is 49.80%, which is well above the national rate (36.70%). The share of people in poverty is 10.80%, which is comparable to the national rate (8.80%), up 1.10 percentage points since 2011 and above its 2019 pre-pandemic level by 0.30 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is elementary (48.28%). College enrollment is 11.73%, which is far lower than the national rate (26.70%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 96738, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	0	0.00%
9th to 12th grade, no diploma:	158	2.86%
High school graduate (includes equivalency):	1,649	29.81%
Some college, no degree:	1,201	21.71%
Associate's degree:	728	13.16%
Bachelor's degree:	1,125	20.34%
Graduate or professional degree:	671	12.13%
Total:	5,532	100%
High school or higher:	5,374	97.14%
Bachelor's degree or higher:	1,796	32.47%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table Comparison Chart

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for ZIP Code 96738. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	4,866	53.95%
Public Insurance:	3,913	43.38%
No Insurance:	241	2.67%
Total:	9,020	100%
Has Health Insurance:	8,779	97.33%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2024)

Line chart displaying the share of families and people in ZIP 96738 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2024. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
% of People in Poverty	6.0%	4.7%	5.0%	5.5%	5.3%	5.3%	6.6%	7.2%	6.8%	6.5%	5.8%	9.7%	7.1%	10.8%

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	62	3.55%
Kindergarten:	110	6.29%
Elementary school (grades 1-8):	844	48.28%
High school (grades 9-12):	527	30.15%
College or graduate school:	205	11.73%
Total:	1,748	100%
Early Childhood:	172	9.84%
K-12 (Primary & Secondary School):	1,481	84.73%

Source: U.S. Census 2020-2024 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

City:	Waikoloa, Hawaii
County:	Hawaii County
Timezone:	Hawaii-Aleutian Islands (GMT -10:00)
Local Time:	8:05:39 AM
Population:	7,447 [See All]
Area Code:	808
Classification:	Standard [Normal Street Delivery]
Coordinates:	19.9353, -155.8137
Land Area:	79.848 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/96738/zip-code-96738.asp

# Residential Mailboxes:	3,071Source: USPS
# Business Mailboxes:	173Source: USPS
Total Delivery Receptacles:	4,560Source: USPS
Single Family Delivery Units:	1,524Source: USPS
Multi Family Delivery Units:	1,020Source: USPS

# of Businesses:	226Source: CBP
1st Quarter Payroll:	$41,432,000Source: CBP
Annual Payroll:	$160,779,000Source: CBP
# of Employees:	2,941Source: CBP

CBSA Name:	Hilo-Kailua, HISource: Census
CBSA Number:	25900Source: Census
CBSA Type:	MicroSource: Census
CBSA Division:	--Source: Census
CBSA Population:	185,079Source: Census
MSA:	Source: Census
Land Area:	79.848 sq miSource: Census
Water Area:	0.442 sq miSource: Census

Congressional District:	02Source: USPS
Congressional Land Area:	6213.4 sq miSource: Census
PMSA:	Source: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	--Source: Census
Place Name:	--Source: Census

ZIP Code 96738 in Waikoloa, HI

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2024)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 96738

Colleges & Post Secondary Schools near ZIP Code 96738

Sources & References