ZIP Code 96768 — Olinda CDP, HI Demographics & Data

ZIP code 96768 covers Olinda, HI in Maui County with a population of about 18,782.

At a glance, the area shows median age of 44.5 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 96768 is about $105,942 — about 41% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 5.3%; 33.2% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Healthcare; about 11.4% of workers reporting work-from-home (about 3.8 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 $905,400 — about 160% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,651 (about 42% above the U.S. median rent ($1,163)), and owner-occupancy near 62.7% (about 2.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96768 in Olinda, HI, a household would need roughly $249,000 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 $5,816. That is about 135% above the local median household income ($105,942), 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 Olinda CDP, HI as Relatively Moderate (composite score 93.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (95.3) and flood (93.7). 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 Olinda CDP, HI show little to no average snow and around 23.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 911 for ZIP 96768 (Olinda 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.