ZIP Code 96826 — Urban Honolulu CDP, HI Demographics & Data

ZIP code 96826 covers Urban Honolulu, HI in Honolulu County with a population of about 29,718.

At a glance, the area shows median age of 42.8 versus a U.S. median of about 38.9.

It sits in telephone area code 808; U.S. House district HI-1; the HONOLULU media market.

Urban Honolulu, HI sits in a university / college context (near university of hawaii system office (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 96826 is about $67,743 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.6%; unemployment rate near 3.6%; 37.6% of adults with a bachelor’s degree or higher (about 3.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Education; about 6.8% of workers reporting work-from-home (about 8.4 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 $485,200 — about 39% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,454 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 32.7% (about 32.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96826 in Urban Honolulu, HI, a household would need roughly $134,000 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 $3,117. That is about 98% above the local median household income ($67,743), 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 Urban Honolulu CDP, HI as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are flood (99.3) and wildfire (99.0). 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 Urban Honolulu CDP, HI show little to no average snow and around 20.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,441 for ZIP 96826 (Urban Honolulu 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.