ZIP Code 96770 — Kualapuu CDP, HI Demographics & Data

ZIP code 96770 covers Kualapuu, HI in Maui County with a population of about 548.

At a glance, the area shows median age of 59.9 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.

Kualapuu, HI fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 96770 is about $56,591 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.7%; unemployment rate near 22.2%; 56.5% of adults with a bachelor’s degree or higher (about 22.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Administrative support; about 13.3% of workers reporting work-from-home (about 1.9 points below the U.S. share (15.2%)); a mean commute of about 131.0 minutes (U.S. average near 26.8).

Median home value is about $362,300 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $887 (about 24% below the U.S. median rent ($1,163)), and owner-occupancy near 50.8% (about 14.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96770 in Kualapuu, HI, a household would need roughly $100,000 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 $2,327. That is about 77% above the local median household income ($56,591), 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 Kualapuu 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 Kualapuu CDP, HI show little to no average snow and around 21.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 27 for ZIP 96770 (Kualapuu 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.