ZIP Code 96746 — Kapaa CDP, HI Demographics & Data

ZIP code 96746 covers Kapaa, HI in Kauai County with a population of about 20,566.

At a glance, the area shows median age of 45.4 versus a U.S. median of about 38.9.

It sits in telephone area code 808; U.S. House district HI-2; the HONOLULU media market.

Median household income in ZIP 96746 is about $89,681 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 3.4%; 32.2% of adults with a bachelor’s degree or higher (about 1.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Education; about 8.8% of workers reporting work-from-home (about 6.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $830,500 — about 139% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,833 (about 58% above the U.S. median rent ($1,163)), and owner-occupancy near 68.3% (about 2.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96746 in Kapaa, HI, a household would need roughly $229,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,335. That is about 155% above the local median household income ($89,681), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Kapaa CDP, HI as Relatively Moderate (composite score 84.4), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (93.1) and flood (90.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Kapaa CDP, HI show little to no average snow and around 36.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 997 for ZIP 96746 (Kapaa CDP, HI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.