ZIP Code 96777 — Pahala CDP, HI Demographics & Data

ZIP code 96777 covers Pahala, HI in Hawaii County with a population of about 1,838.

At a glance, the area shows median age of 32.0 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 96777 is about $63,438 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 12.9%; 24.5% of adults with a bachelor’s degree or higher (about 9.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Food services; about 11.5% of workers reporting work-from-home (about 3.7 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 $227,200 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $625 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 84.2% (about 18.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96777 in Pahala, HI, a household would need roughly $63,000 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 $1,459. That is roughly in line with the local median household income ($63,438). 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 Pahala CDP, HI as Relatively High (composite score 98.5), which is among the highest nationally. The strongest component scores on US5 are flood (98.9) and wildfire (98.3). 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 Pahala CDP, HI show little to no average snow and around 35.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 89 for ZIP 96777 (Pahala 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.