96746 ZIP Code — Kapaa, HI

Kauai County, Hawaii

ZIP code 96746 is located in Kapaa, Hawaii, within Kauai County. It covers approximately 29.83 square miles and serves a population of 20,473 residents. This is a standard ZIP code in the Hawaii (HT) — no DST timezone, served by area code 808.

About ZIP code 96746

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $746,300. Owner-occupancy sits near the national average at 69%.

The gap between median ($90,939) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

20,473

population

29.83

sq mi land

Standard

ZIP type

Hawaii (HT) — no DST

timezone

96746 ZIP code map

Cities in ZIP code 96746

Below are the cities the US Postal Service accepts for ZIP code 96746. Using any city not on this list may result in mail delivery delays.

City	Status
Kapaa	Preferred

Nearby ZIP codes

96754 Kilauea (5.6 mi) 96766 Lihue (9.6 mi) 96741 Kalaheo (12.9 mi) 96756 Koloa (15 mi)

Demographics updated 06/2026

Population
Total population	20,473
Population density	686 / sq mi
State FIPS	15
County FIPS	007

Geography
Land area	29.83 sq mi
Water area	2.94 sq mi
Latitude	22.1223
Longitude	-159.3954
Timezone	Hawaii (HT) — no DST
Area code	808

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.2%	31.4%	29.0%
$50k – $100k	29.4%	28.1%	29.8%
$100k – $200k	32.6%	31.7%	29.9%
Over $200k	9.8%	8.7%	11.3%

Demographics & statistics

20,473

Population

686

People per sq mi

45.3

Median age

$90,939

Median household income

$42,816

Per capita income

$746,300

Median home value

$1,816

Median monthly rent

68.5%

Home ownership

6.7%

Poverty rate

3.3%

Unemployment

6,179

Housing units

34.8%

Bachelor's or higher

Age distribution

Male Female

527

Under 5

497

729

5–9

687

519

10–14

488

461

15–19

434

369

20–24

347

1,140

25–34

1,074

1,470

35–44

1,385

1,367

45–54

1,288

577

55–59

544

1,093

60–64

1,030

1,409

65–74

1,326

659

75–84

621

222

85+

210

← Male

Female →

Age summary

Group	Count	%
Under 18	3,995	19.5%
18 and over	16,478	80.5%
65 and over	4,447	21.7%
Median age	45.3 years

Race & ethnicity

White 36.3%

Two or more races 25.9%

Asian 23.7%

Native Hawaiian / Pacific Islander 6.8%

Hispanic or Latino 5.4%

Other race 1.4%

Black or African American 0.4%

American Indian / Alaska Native 0.2%

Group	Count	%
White	7,846	36.3%
Two or more races	5,606	25.9%
Asian	5,120	23.7%
Native Hawaiian / Pacific Islander	1,475	6.8%
Hispanic or Latino	1,169	5.4%
Other race	305	1.4%
Black or African American	79	0.4%
American Indian / Alaska Native	42	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.2%	31.4%	29.0%
$50k – $100k	29.4%	28.1%	29.8%
$100k – $200k	32.6%	31.7%	29.9%
Over $200k	9.8%	8.7%	11.3%

Under $10k 4.7%

$10k–$15k 3.1%

$15k–$25k 4.5%

$25k–$35k 3.1%

$35k–$50k 6.5%

$50k–$75k 20.0%

$75k–$100k 11.2%

$100k–$150k 21.2%

$150k–$200k 11.0%

$200k+ 14.6%

Range	% of households
Under $10k	4.7%
$10k–$15k	3.1%
$15k–$25k	4.5%
$25k–$35k	3.1%
$35k–$50k	6.5%
$50k–$75k	20.0%
$75k–$100k	11.2%
$100k–$150k	21.2%
$150k–$200k	11.0%
$200k+	14.6%
Median income	$90,939

Housing

Home values

Under $50k 1.1%

$50k–$100k 1.7%

$100k–$150k 0.2%

$200k–$300k 1.1%

$300k–$500k 14.4%

$500k–$1M 63.2%

$1M+ 18.2%

Housing overview

Metric	Value
Median home value	$746,300
Median rent / month	$1,816
Owner occupied	68.5%
Renter occupied	31.5%
Vacant	19.1%
Single-family detached	76.7%
Large apartment buildings	13.1%
Mobile homes	0.3%
Median rooms	5.0
Avg household size (owned)	3.10

Year built

Era	%
2020 or later	0.0%
2010–2019	4.3%
2000–2009	10.5%
1990–1999	17.1%
1980–1989	21.8%
1970–1979	27.6%
1960–1969	6.9%
1950–1959	5.9%
1940–1949	3.9%
1939 or earlier	2.0%

Bedrooms

Size	% of units
No bedroom (studio)	6.0%
1 bedroom	7.7%
2 bedrooms	21.4%
3 bedrooms	49.5%
4 bedrooms	11.6%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	27.6%
2 vehicles	33.7%
3 or more	35.4%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	30.2%
Propane / LP gas	7.7%
Solar	3.4%
No fuel used	56.5%

Households & families

Household type	Count	%
Married-couple family	3,163	47.2%
Cohabiting couple	757	11.3%
Male householder, no spouse	1,203	17.9%
Female householder, no spouse	1,581	23.6%
Households with children under 18	1,590	23.7%
Households with seniors (65+)	2,917	43.5%
Average household size	3.03

Marital status

Status	Male	Female
Never married	35.3%	33.5%
Married	48.3%	45.5%
Separated	0.3%	1.0%
Widowed	3.1%	7.9%
Divorced	13.0%	12.1%

Education

Less than 9th grade 1.9%

Some HS, no diploma 3.9%

HS graduate 25.2%

Some college, no degree 22.5%

Associate's degree 11.8%

Bachelor's degree 25.3%

Graduate / professional 9.5%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	34.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	224	5.2%
Kindergarten	322	7.4%
Elementary school	1,927	44.5%
High school	785	18.1%
College / grad school	1,077	24.8%

Employment

Industry of employment

Education & healthcare 20.1%

Arts, food & hospitality 17.1%

Retail trade 11.0%

Professional & management 10.1%

Public administration 9.8%

Construction 7.3%

Transportation & utilities 6.7%

Other services 6.4%

Finance & real estate 6.2%

Manufacturing 2.2%

Agriculture & mining 1.4%

Wholesale trade 1.2%

Information 0.5%

Occupation

Category	%
Management, business & arts	34.7%
Service	24.9%
Sales & office	22.1%
Natural resources & construction	9.3%
Production & transportation	9.1%

Employment type

Type	%
Private sector	64.8%
Government	21.4%
Self-employed	12.8%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	74.0%
Carpool	14.3%
Public transit	1.3%
Walk	1.1%
Work from home	9.1%
Other means	0.2%
Avg commute (minutes)	23.4

Poverty

All people 6.7%

Under 18 years 5.8%

18 and over 6.9%

Married-couple families 0.7%

Female-led households 9.2%

Income support

Source	% of households
Social Security	43.3%
Retirement income	35.8%
Supplemental Security	3.8%
Cash public assistance	3.9%
Food stamps / SNAP	7.5%

Health indicators

Condition	%
Obesity	22.1%
High blood pressure	27.4%
High cholesterol	27.7%
Diabetes	8.8%
Heart disease	5.2%
Stroke	2.8%
Asthma	9.1%
Arthritis	21.0%
Kidney disease	2.5%
Pulmonary disease	4.6%
Cancer	5.5%

Behavior / access	%
Smoking	12.6%
Binge drinking	19.2%
No physical activity	18.0%
Less than 7 hrs sleep	37.8%
Depression	16.1%
Fair or poor health	11.3%
Poor mental health	12.8%
Poor physical health	8.4%
No health insurance	9.3%
Visited doctor (checkup)	77.3%
Visited dentist	73.9%
Cholesterol screening	87.9%
Teeth loss	6.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,285	7.8%

Disability	%
Any disability	11.0%
Under 18	1.5%
18–64 years	7.5%
65 and over	29.4%

Health insurance coverage

Type	%
Private insurance	70.4%
Public insurance	38.8%
No insurance	6.3%
Uninsured under 19	5.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,449	95.0%
Spanish	1,485	7.6%
Other Indo-European	108	0.6%
Asian & Pacific Islander	78	0.4%
Other languages	1,270	6.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	18,007	88.0%
Born in same state	17,709	86.5%
Born in different state	10,126	49.5%
Foreign born	298	1.5%
Naturalized citizen	2,466	12.0%
Not a US citizen	1,431	58.0%

Ancestry

Ancestry	Count	%
Italian	2,092	10.2%
French	999	4.9%
Arab	407	2%
Polish	205	1%

Ancestry	Count	%
English	156	0.8%
Dutch	74	0.4%
German	35	0.2%
Irish	25	0.1%

Technology access

Metric	% of households
Computer access	32.7%
Internet access	94.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 96746

What city is ZIP code 96746 in?

ZIP code 96746 is primarily assigned to Kapaa, Hawaii.

What county is ZIP code 96746 in?

ZIP code 96746 falls within Kauai County, Hawaii.

Does ZIP code 96746 have a large retiree population?

43% of households in ZIP code 96746 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 96746?

The median home value in ZIP code 96746 is $746,300.

What is the population of ZIP code 96746?

ZIP code 96746 has an estimated population of 20,473 residents, with a density of 686 people per square mile.

What is the median household income in ZIP code 96746?

The median household income in ZIP code 96746 is $90,939, above the national median of ~$75,000.

What timezone is ZIP code 96746 in?

ZIP code 96746 observes the HST timezone.