96738 ZIP Code — Waikoloa, HI
Hawaii County, Hawaii
ZIP code 96738 is located in Waikoloa, Hawaii, within Hawaii County. It covers approximately 79.85 square miles and serves a population of 7,797 residents. This is a po box ZIP code in the Hawaii (HT) — no DST timezone, served by area code 808.
About ZIP code 96738
The housing stock consists of a mix of housing types. Most homes were built in the 2000s, giving the area an established character. Median home value is $627,000. Owner-occupancy sits near the national average at 72%.
Median household income is $97,083. 36% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is service, with arts, entertainment, and food service as the leading industry. The average commute of 29 minutes is near the national average.
Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.
7,797
population
79.85
sq mi land
PO Box
ZIP type
Hawaii (HT) — no DST
timezone
96738 ZIP code map
Cities in ZIP code 96738
Below are the cities the US Postal Service accepts for ZIP code 96738. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Waikoloa | Acceptable |
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 7,797 |
| Population density | 98 / sq mi |
| State FIPS | 15 |
| County FIPS | 001 |
| Geography | |
|---|---|
| Land area | 79.85 sq mi |
| Water area | 0.44 sq mi |
| Latitude | 19.9353 |
| Longitude | -155.8137 |
| 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 | 24.3% | 39.1% | 29.0% |
| $50k – $100k | 44.7% | 31.0% | 29.8% |
| $100k – $200k | 28.0% | 23.6% | 29.9% |
| Over $200k | 3.0% | 6.3% | 11.3% |
Demographics & statistics
7,797
Population
98
People per sq mi
38.9
Median age
$97,083
Median household income
$35,982
Per capita income
$627,000
Median home value
$1,722
Median monthly rent
71.9%
Home ownership
11.6%
Poverty rate
9.7%
Unemployment
3,976
Housing units
32.3%
Bachelor's or higher
Age distribution
Male
Female
257
Under 5
267
310
5–9
322
316
10–14
330
244
15–19
255
71
20–24
73
422
25–34
439
636
35–44
662
385
45–54
402
202
55–59
211
250
60–64
260
475
65–74
494
224
75–84
234
27
85+
29
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,160 | 27.7% |
| 18 and over | 5,637 | 72.3% |
| 65 and over | 1,483 | 19.0% |
| Median age | 38.9 years | |
Race & ethnicity
White
38%
Two or more races
20.7%
Asian
15.1%
Native Hawaiian / Pacific Islander
10.2%
Hispanic or Latino
6.8%
Other race
4%
American Indian / Alaska Native
3.2%
Black or African American
1.8%
| Group | Count | % |
|---|---|---|
| White | 3,181 | 38% |
| Two or more races | 1,735 | 20.7% |
| Asian | 1,264 | 15.1% |
| Native Hawaiian / Pacific Islander | 856 | 10.2% |
| Hispanic or Latino | 570 | 6.8% |
| Other race | 337 | 4% |
| American Indian / Alaska Native | 270 | 3.2% |
| Black or African American | 154 | 1.8% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 24.3% | 39.1% | 29.0% |
| $50k – $100k | 44.7% | 31.0% | 29.8% |
| $100k – $200k | 28.0% | 23.6% | 29.9% |
| Over $200k | 3.0% | 6.3% | 11.3% |
Under $10k
4.7%
$10k–$15k
0.1%
$15k–$25k
2.8%
$25k–$35k
5.6%
$35k–$50k
10.4%
$50k–$75k
20.1%
$75k–$100k
6.8%
$100k–$150k
29.7%
$150k–$200k
14.3%
$200k+
5.6%
| Range | % of households |
|---|---|
| Under $10k | 4.7% |
| $10k–$15k | 0.1% |
| $15k–$25k | 2.8% |
| $25k–$35k | 5.6% |
| $35k–$50k | 10.4% |
| $50k–$75k | 20.1% |
| $75k–$100k | 6.8% |
| $100k–$150k | 29.7% |
| $150k–$200k | 14.3% |
| $200k+ | 5.6% |
| Median income | $97,083 |
Housing
Home values
Under $50k
0.2%
$50k–$100k
0.2%
$100k–$150k
2.3%
$200k–$300k
5.5%
$300k–$500k
22.3%
$500k–$1M
53.0%
$1M+
16.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $627,000 |
| Median rent / month | $1,722 |
| Owner occupied | 71.9% |
| Renter occupied | 28.1% |
| Vacant | 42.1% |
| Single-family detached | 43.3% |
| Large apartment buildings | 3.4% |
| Mobile homes | 0.0% |
| Median rooms | 4.9 |
| Avg household size (owned) | 2.72 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.5% |
| 2010–2019 | 4.0% |
| 2000–2009 | 29.5% |
| 1990–1999 | 27.6% |
| 1980–1989 | 25.9% |
| 1970–1979 | 10.5% |
| 1960–1969 | 1.1% |
| 1950–1959 | 0.9% |
| 1940–1949 | 0.0% |
| 1939 or earlier | 0.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.1% |
| 1 bedroom | 5.9% |
| 2 bedrooms | 41.7% |
| 3 bedrooms | 40.1% |
| 4 bedrooms | 9.6% |
| 5+ bedrooms | 2.7% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 1.4% |
| 1 vehicle | 31.8% |
| 2 vehicles | 40.2% |
| 3 or more | 26.6% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 0.7% |
| Electricity | 31.1% |
| Solar | 6.2% |
| No fuel used | 61.0% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 1,786 | 64.9% |
| Cohabiting couple | 138 | 5.0% |
| Male householder, no spouse | 347 | 12.6% |
| Female householder, no spouse | 481 | 17.5% |
| Households with children under 18 | 993 | 36.1% |
| Households with seniors (65+) | 995 | 36.2% |
| Average household size | 2.83 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 24.9% | 25.3% |
| Married | 64.9% | 62.7% |
| Separated | 0.8% | 1.8% |
| Widowed | 0.5% | 3.7% |
| Divorced | 8.9% | 6.4% |
Education
Less than 9th grade
0.8%
Some HS, no diploma
5.4%
HS graduate
24.0%
Some college, no degree
25.6%
Associate's degree
12.0%
Bachelor's degree
22.8%
Graduate / professional
9.5%
| Metric | % |
|---|---|
| HS diploma or higher | 93.9% |
| Bachelor's or higher | 32.3% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 167 | 9.1% |
| Kindergarten | 98 | 5.4% |
| Elementary school | 1,056 | 57.8% |
| High school | 310 | 17.0% |
| College / grad school | 197 | 10.8% |
Employment
Industry of employment
Arts, food & hospitality
25.5%
Professional & management
20.1%
Education & healthcare
13.5%
Construction
6.9%
Retail trade
6.1%
Public administration
5.3%
Transportation & utilities
5.1%
Finance & real estate
5.0%
Other services
4.7%
Agriculture & mining
3.6%
Manufacturing
2.9%
Information
0.8%
Wholesale trade
0.3%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 30.2% |
| Service | 34.8% |
| Sales & office | 16.9% |
| Natural resources & construction | 9.9% |
| Production & transportation | 8.2% |
Employment type
| Type | % |
|---|---|
| Private sector | 77.3% |
| Government | 13.0% |
| Self-employed | 9.7% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 73.3% |
| Carpool | 21.0% |
| Public transit | 0.0% |
| Walk | 0.7% |
| Work from home | 4.5% |
| Other means | 0.6% |
| Avg commute (minutes) | 29.1 |
Poverty
All people
11.6%
Under 18 years
19.1%
18 and over
8.9%
Married-couple families
5.1%
Female-led households
46.9%
Income support
| Source | % of households |
|---|---|
| Social Security | 35.8% |
| Retirement income | 28.1% |
| Supplemental Security | 4.7% |
| Cash public assistance | 2.5% |
| Food stamps / SNAP | 9.5% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 22.9% |
| High blood pressure | 24.6% |
| High cholesterol | 27.0% |
| Diabetes | 7.2% |
| Heart disease | 4.5% |
| Stroke | 2.4% |
| Asthma | 9.1% |
| Arthritis | 19.3% |
| Kidney disease | 2.3% |
| Pulmonary disease | 4.4% |
| Cancer | 5.5% |
| Behavior / access | % |
|---|---|
| Smoking | 13.6% |
| Binge drinking | 20.8% |
| No physical activity | 14.8% |
| Less than 7 hrs sleep | 35.3% |
| Depression | 17.3% |
| Fair or poor health | 10.1% |
| Poor mental health | 12.7% |
| Poor physical health | 7.9% |
| No health insurance | 8.6% |
| Visited doctor (checkup) | 73.5% |
| Visited dentist | 72.2% |
| Cholesterol screening | 87.8% |
| Teeth loss | 7.1% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 461 | 8.2% |
| Disability | % |
|---|---|
| Any disability | 13.6% |
| Under 18 | 9.1% |
| 18–64 years | 8.9% |
| 65 and over | 33.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 70.7% |
| Public insurance | 40.3% |
| No insurance | 3.8% |
| Uninsured under 19 | 2.6% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 7,273 | 93.3% |
| Spanish | 911 | 12.5% |
| Other Indo-European | 333 | 4.6% |
| Asian & Pacific Islander | 44 | 0.6% |
| Other languages | 534 | 7.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 6,340 | 81.3% |
| Born in same state | 6,206 | 79.6% |
| Born in different state | 2,720 | 34.9% |
| Foreign born | 134 | 1.7% |
| Naturalized citizen | 1,457 | 18.7% |
| Not a US citizen | 540 | 37.1% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 547 | 7% |
| French | 453 | 5.8% |
| Arab | 67 | 0.9% |
| English | 42 | 0.5% |
| Ancestry | Count | % |
|---|---|---|
| Irish | 38 | 0.5% |
| Polish | 20 | 0.3% |
| Dutch | 3 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 35.3% |
| Internet access | 95.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 96738
What city is ZIP code 96738 in?
ZIP code 96738 is primarily assigned to Waikoloa, Hawaii.
What county is ZIP code 96738 in?
ZIP code 96738 falls within Hawaii County, Hawaii.
Does ZIP code 96738 have a large retiree population?
36% of households in ZIP code 96738 receive Social Security income, suggesting a significant retiree or disability population.
What is the typical home value in ZIP code 96738?
The median home value in ZIP code 96738 is $627,000.
What is the population of ZIP code 96738?
ZIP code 96738 has an estimated population of 7,797 residents, with a density of 98 people per square mile.
What is the median household income in ZIP code 96738?
The median household income in ZIP code 96738 is $97,083, above the national median of ~$75,000.
What timezone is ZIP code 96738 in?
ZIP code 96738 observes the HST timezone.