96704 ZIP Code — Captain Cook, HI

Hawaii County, Hawaii

ZIP code 96704 is located in Captain Cook, Hawaii, within Hawaii County. It covers approximately 246.39 square miles and serves a population of 8,543 residents. This is a standard ZIP code in the Hawaii (HT) — no DST timezone, served by area code 808.

About ZIP code 96704

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $493,200. Owner-occupancy sits near the national average at 67%.

The gap between median ($84,286) and mean household income suggests income inequality — a small number of higher earners pull the average up. 48% 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. An above-average commute of 38 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 23% of workers work from home.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Overall, ZIP code 96704 reflects a community defined by a high rate of remote workers and a significant Social Security-dependent population.

8,543

population

246.39

sq mi land

Standard

ZIP type

Hawaii (HT) — no DST

timezone

96704 ZIP code map

Cities in ZIP code 96704

Below are the cities the US Postal Service accepts for ZIP code 96704. Using any city not on this list may result in mail delivery delays.

City	Status
Captain Cook	Acceptable
Captain Cook	Preferred

Nearby ZIP codes

96725 Holualoa (16.7 mi) 96750 Kealakekua (17.2 mi)

Demographics updated 05/2026

Population
Total population	8,543
Population density	35 / sq mi
State FIPS	15
County FIPS	001

Geography
Land area	246.39 sq mi
Water area	103.91 sq mi
Latitude	19.3149
Longitude	-155.7833
Timezone	Hawaii (HT) — no DST
Area code	808

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.9%	39.1%	29.0%
$50k – $100k	18.7%	31.0%	29.8%
$100k – $200k	23.9%	23.6%	29.9%
Over $200k	12.5%	6.3%	11.3%

Demographics & statistics

8,543

Population

People per sq mi

49.9

Median age

$84,286

Median household income

$44,471

Per capita income

$493,200

Median home value

$1,723

Median monthly rent

66.7%

Home ownership

14.9%

Poverty rate

8.4%

Unemployment

2,631

Housing units

32.2%

Bachelor's or higher

Age distribution

Male Female

189

Under 5

173

129

5–9

118

273

10–14

249

161

15–19

147

262

20–24

239

512

25–34

467

428

35–44

390

590

45–54

538

345

55–59

315

383

60–64

348

906

65–74

825

204

75–84

185

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,300	15.2%
18 and over	7,243	84.8%
65 and over	2,287	26.8%
Median age	49.9 years

Race & ethnicity

White 41.7%

Two or more races 20.2%

Asian 13.8%

Hispanic or Latino 8.2%

Native Hawaiian / Pacific Islander 8.1%

Other race 6.2%

Black or African American 1.4%

American Indian / Alaska Native 0.4%

Group	Count	%
White	3,886	41.7%
Two or more races	1,876	20.2%
Asian	1,284	13.8%
Hispanic or Latino	766	8.2%
Native Hawaiian / Pacific Islander	750	8.1%
Other race	580	6.2%
Black or African American	132	1.4%
American Indian / Alaska Native	35	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.9%	39.1%	29.0%
$50k – $100k	18.7%	31.0%	29.8%
$100k – $200k	23.9%	23.6%	29.9%
Over $200k	12.5%	6.3%	11.3%

Under $10k 9.7%

$10k–$15k 3.3%

$15k–$25k 5.5%

$25k–$35k 7.7%

$35k–$50k 8.3%

$50k–$75k 13.5%

$75k–$100k 5.4%

$100k–$150k 20.8%

$150k–$200k 4.7%

$200k+ 21.1%

Range	% of households
Under $10k	9.7%
$10k–$15k	3.3%
$15k–$25k	5.5%
$25k–$35k	7.7%
$35k–$50k	8.3%
$50k–$75k	13.5%
$75k–$100k	5.4%
$100k–$150k	20.8%
$150k–$200k	4.7%
$200k+	21.1%
Median income	$84,286

Housing

Home values

$50k–$100k 1.1%

$200k–$300k 6.9%

$300k–$500k 43.3%

$500k–$1M 29.1%

$1M+ 19.6%

Housing overview

Metric	Value
Median home value	$493,200
Median rent / month	$1,723
Owner occupied	66.7%
Renter occupied	33.3%
Vacant	21.1%
Single-family detached	87.2%
Large apartment buildings	1.1%
Mobile homes	0.0%
Median rooms	4.8
Avg household size (owned)	2.66

Year built

Era	%
2020 or later	0.0%
2010–2019	4.3%
2000–2009	21.3%
1990–1999	11.0%
1980–1989	23.2%
1970–1979	22.5%
1960–1969	8.4%
1950–1959	4.3%
1940–1949	0.5%
1939 or earlier	4.5%

Bedrooms

Size	% of units
No bedroom (studio)	5.9%
1 bedroom	13.7%
2 bedrooms	27.2%
3 bedrooms	37.1%
4 bedrooms	12.5%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	24.1%
2 vehicles	39.4%
3 or more	34.4%

Heating fuel

Fuel type	%
Electricity	21.2%
Propane / LP gas	4.8%
Solar	1.8%
No fuel used	72.1%

Households & families

Household type	Count	%
Married-couple family	1,498	53.2%
Cohabiting couple	240	8.5%
Male householder, no spouse	408	14.5%
Female householder, no spouse	668	23.7%
Households with children under 18	663	23.6%
Households with seniors (65+)	1,418	50.4%
Average household size	3.04

Marital status

Status	Male	Female
Never married	31.5%	29.0%
Married	47.6%	49.1%
Separated	1.0%	0.3%
Widowed	1.9%	9.2%
Divorced	18.1%	12.3%

Education

Less than 9th grade 5.3%

Some HS, no diploma 5.4%

HS graduate 24.9%

Some college, no degree 23.2%

Associate's degree 9.0%

Bachelor's degree 20.3%

Graduate / professional 11.9%

Metric	%
HS diploma or higher	89.3%
Bachelor's or higher	32.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	17	1.3%
Elementary school	747	58.0%
High school	214	16.6%
College / grad school	310	24.1%

Employment

Industry of employment

Education & healthcare 16.2%

Arts, food & hospitality 14.7%

Professional & management 13.6%

Retail trade 12.4%

Construction 11.9%

Agriculture & mining 10.8%

Other services 6.1%

Information 3.5%

Manufacturing 3.1%

Transportation & utilities 2.4%

Finance & real estate 1.9%

Public administration 1.8%

Wholesale trade 1.3%

Occupation

Category	%
Management, business & arts	34.6%
Service	17.7%
Sales & office	22.1%
Natural resources & construction	19.6%
Production & transportation	6.0%

Employment type

Type	%
Private sector	68.6%
Government	14.9%
Self-employed	16.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	57.6%
Carpool	14.7%
Public transit	1.7%
Walk	0.6%
Work from home	22.6%
Other means	2.9%
Avg commute (minutes)	37.5

Poverty

All people 14.9%

Under 18 years 18.7%

18 and over 14.3%

Married-couple families 11.1%

Female-led households 6.1%

Income support

Source	% of households
Social Security	48.4%
Retirement income	35.0%
Supplemental Security	3.3%
Cash public assistance	3.8%
Food stamps / SNAP	14.0%

Health indicators

Condition	%
Obesity	24.4%
High blood pressure	30.5%
High cholesterol	29.9%
Diabetes	10.1%
Heart disease	6.3%
Stroke	3.5%
Asthma	9.7%
Arthritis	24.0%
Kidney disease	3.0%
Pulmonary disease	6.3%
Cancer	6.4%

Behavior / access	%
Smoking	16.0%
Binge drinking	18.3%
No physical activity	18.9%
Less than 7 hrs sleep	36.6%
Depression	17.6%
Fair or poor health	14.0%
Poor mental health	13.3%
Poor physical health	10.1%
No health insurance	10.1%
Visited doctor (checkup)	75.5%
Visited dentist	67.1%
Cholesterol screening	88.0%
Teeth loss	8.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	679	9.4%

Disability	%
Any disability	11.3%
Under 18	1.5%
18–64 years	9.0%
65 and over	21.7%

Health insurance coverage

Type	%
Private insurance	62.9%
Public insurance	47.2%
No insurance	8.9%
Uninsured under 19	6.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,181	95.8%
Spanish	774	9.5%
Other Indo-European	351	4.3%
Asian & Pacific Islander	7	0.1%
Other languages	303	3.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,676	89.9%
Born in same state	7,601	89.0%
Born in different state	3,705	43.4%
Foreign born	75	0.9%
Naturalized citizen	867	10.1%
Not a US citizen	369	42.6%

Ancestry

Ancestry	Count	%
French	707	8.3%
Italian	653	7.6%
Arab	97	1.1%

Ancestry	Count	%
Dutch	67	0.8%
English	41	0.5%
Polish	32	0.4%

Technology access

Metric	% of households
Computer access	32.9%
Internet access	95.7%

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

Frequently asked questions about ZIP code 96704

What city is ZIP code 96704 in?

ZIP code 96704 is primarily assigned to Captain Cook, Hawaii.

What county is ZIP code 96704 in?

ZIP code 96704 falls within Hawaii County, Hawaii.

Does ZIP code 96704 have an older population?

27% of residents in ZIP code 96704 are 65 or older, above the national average of ~17%.

Does ZIP code 96704 have a large retiree population?

48% of households in ZIP code 96704 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 96704?

The median home value in ZIP code 96704 is $493,200.

Does ZIP code 96704 have a large veteran population?

9% of civilians in ZIP code 96704 are veterans, above the national average of ~7%.

What timezone is ZIP code 96704 in?

ZIP code 96704 observes the HST timezone.