ZIP Code 96785 — Volcano CDP, HI Demographics & Data

ZIP code 96785 covers Volcano, HI in Hawaii County with a population of about 4,224.

At a glance, the area shows median age of 58.5 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.

Volcano, HI fits a retirement-oriented profile (high share of residents 65+ (36.4%)). 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 96785 is about $64,213 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 4.9%; 36.9% of adults with a bachelor’s degree or higher (about 3.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Administrative support, and Public administration; about 30.1% of workers reporting work-from-home (about 14.9 points above 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 $330,500 — about 5% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $961 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 82.1% (about 16.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96785 in Volcano, HI, a household would need roughly $91,000 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 $2,123. That is about 42% above the local median household income ($64,213), 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 Volcano 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 Volcano CDP, HI show little to no average snow and around 96.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 205 for ZIP 96785 (Volcano 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.