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ZIP Code · HI

ZIP 96738

Part of Waikoloa, HI
Pop. 7,862·Hawaii County·15th most expensive ZIP in Hawaii
Median rent (all units)
$3,100/mo
Year-over-Year
Stable
Month-over-Month
-1.1%
vs US Median
+$1,135
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 96738 · $3,100
More expensive than 92% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$2,170
1 BR
$2,180
2 BR
$2,830
3 BR
$3,570
4 BR+
$4,120
Research median
$2,830/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: June 22, 2026

Annual cost
$37,200/yr
At $3,100/mo median
Location
StateHI
CountyHawaii County
Rent Market Meter
Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are softening (down 0.0% YoY), so renters have negotiating leverage.
Based on rent-price momentum (+0.0% YoY, -1.1% MoM), not inventory.
Demographics

Who lives here

ZIP 96738 (Waikoloa, HI) is majority owner-occupied, has a large retiree population, 32.5% of residents hold a bachelor's degree or higher.

Population
7,862
Median income
$80,928
Median age
40.3
Renters
30.2%
Age distribution
25.2%
17.8%
23.7%
22.1%
Under 1825.2%
18–3417.8%
35–5423.7%
55–6411.1%
65+22.1%
Gender
50.2%
49.8%
Male50.2%
Female49.8%
Race & ethnicity
43.5%
35.5%
White43.5%
Black1.9%
Hispanic8.4%
Asian10.8%
Other35.5%
Education (25+)
29.8%
34.9%
32.5%
No HS diploma2.9%
HS diploma29.8%
Some college34.9%
Bachelor's+32.5%
Housing tenure
69.8%
30.2%
Owner69.8%
Renter30.2%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 96738 in Waikoloa, HI has changed in 5 years

Income
$84,063 → $80,928
down 3.7%
Population
7,899 → 7,862
down 0.5%
Renter share
29.9% → 30.2%
+0.3 pts
Bachelor's+
29.8% → 32.5%
+2.7 pts
Median age
39.3 → 40.3
+1.0 yrs

Local incomes tracked alongside that move, going from a median of $84,063 in 2021 to $80,928 more recently. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 29.8% to 32.5%.

Community

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Local insights

Tips for renters in ZIP 96738

About renting in ZIP 96738

Last updated: June 22, 2026

ZIP code 96738 covers Waikoloa, HI. The median rent here is $3,100/mo as of June 2026. A 1-bedroom rents for a median of $2,180/mo. A 2-bedroom rents for a median of $2,830/mo.

At 46% of local median household income ($80,928/yr), ZIP 96738 ranks as moderate compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 96738?

As of June 22, 2026, the median monthly rent in ZIP 96738 (Waikoloa, HI) is $3,100. This is based on aggregated data from public sources and community submissions.

How does ZIP 96738 rent compare to the US average?

ZIP 96738's median rent of $3,100/mo is $1,135 (58%) above the US national median of $1,965/mo.

How does ZIP 96738 compare to other ZIPs in Hawaii?

ZIP 96738 falls in the middle range for Hawaii, ranking #15 out of 31 ZIPs at $3,100/mo.

How much income do you need to rent in ZIP 96738?

To keep rent at or below 30% of gross income, you would need to earn at least $124,000/year (~$60/hour full-time) to afford the median rent of $3,100/mo in ZIP 96738. The local median household income is $80,928/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 96738?

Rent in ZIP 96738 has been relatively stable over the past year, with a 0.0% change year over year as of June 22, 2026.

Is ZIP 96738 an affordable place to rent?

ZIP 96738 is considered stretched for renters. At $3,100/mo, rent takes approximately 46% of the local median household income ($80,928/yr). The standard benchmark is 30%. ZIP 96738 significantly exceeds that threshold, making it challenging for many renters.

What percentage of ZIP 96738 residents rent vs. own?

According to Census data, approximately 30.2% of ZIP 96738 households are renters, while 69.8% are owner-occupied. ZIP 96738 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 96738 compare to the rest of Waikoloa?

ZIP 96738 is more affordable than Waikoloa overall. At $3,100/mo, it's $130 below the Waikoloa citywide median of $3,230/mo.

When was rent data for ZIP 96738 last updated?

Rent data for ZIP 96738 reflects June 22, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
46%
STRETCHED

At $3,100/mo, rent takes ~46% of ZIP 96738's median household income ($80,928/yr). The standard benchmark is 30%.

ZIP 96738 46%Benchmark 30%
State income tax1.4–11%
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Schools nearby

Public schools near ZIP 96738 (Waikoloa, HI)

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