LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in ZIP 96765 sells for about $1,150,000, or $685 per square foot.

Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 48 days to sell. HUD's fair market rent for a two-bedroom is $3,800 a month.

ZIP market report · consumer edition · quarterly refresh
Track this ZIP

ZIP 96765 — Lawai

Hawaii County →refreshed Sep 29, 2026next refresh Oct 29, 2026
Market mood · cautiously optimistic

The housing market in 96765 remains resilient, characterized by high price points and limited inventory. Demand continues to be driven by lifestyle buyers, though high interest rates have tempered the pace of sales compared to previous years.

Who this ZIP fits

This ZIP is ideal for affluent families and retirees seeking a quiet, amenity-rich environment, though it is less suitable for those requiring daily access to major urban employment centers.

Parent geography
Lawai · no city intel reportKauai County →Hawaii state →
Aerial view · ZIP boundaries2020 Census ZCTA boundary over current aerial imagery
Leaflet Imagery © Esri, Maxar, Earthstar Geographics
Land area · 1.6 km²Water area · 0 km²U.S. Census Bureau TIGERweb — 2020 Census ZCTA5 boundary
Median sale price
$1,150,000
+2.4% year over year
Corroborated · 1 anchor · 0% off nearest
Days on market
48 days
Active listings
42
Listings with price cuts
18%
share of active listings
Sale-to-list ratio
97.5%
of asking price
ZIP Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
73
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
62
Growth/100

Median prices moved up 2.4% year over year.

70
Liquidity/100

Homes spend a median of 48 days on market with 3.5 months of supply — a fast-moving market.

67
Momentum/100

18% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.

91
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 7.8% — a stable, low-distress profile.

Median price · ten-year history

Researched annual trajectory for this ZIP, from published historical series

2015201620172018201920202021202220232024202520272029$600,000$900,000$1,200,000$1,500,000$1,800,000

Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.

Property tax · ten-year history

Median annual property tax paid on this ZIP's residential parcels

2015201620172018201920202021202220232024202520272029$2,800$3,500$4,200$4,900$5,600

Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.

Census trends · population flowsACS 2019-2023 5-year estimates
Population change
+0.8%

versus the prior ACS vintage

Net migration
−120 people

net outflow — more people moved out than in

Population base
12,450

ZCTA 96765, Hawaii County, HI

Area context
Crime & safety

Crime rates in this area remain low compared to the broader regional average, with property crime being the primary concern for residents.

Schools & education

Schools serving this ZIP are generally well-regarded, with several institutions maintaining high performance ratings in state accountability metrics.

Environmental & hazard

The area faces moderate wildfire risk and requires standard hazard insurance coverage; flood risk is generally low outside of specific coastal or drainage zones.

Growth & development

Economic momentum is driven by local tourism, small-scale commercial development, and a stable base of service-sector employers.

Taxation

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Hawaii) — Real Property Tax: Tax is calculated by applying county-specific tax rates to the assessed value of the property. The formula is (Assessed Value - Exemptions) * Tax Rate. Exemptions include homestead exemptions for owner-occupants, which vary by county.

Transportation & commute

Commuting to major employment hubs typically requires a significant drive, as the area is somewhat isolated from primary metropolitan transit corridors.

Recreation & amenities

The area features extensive access to coastal trails, local parks, and boutique shopping districts that serve as the primary community amenities.

Rental market

The rental market is characterized by high demand and limited inventory, with a notable presence of short-term vacation rentals.

Economy & employers

The local economy is heavily reliant on tourism, hospitality, and small-scale agriculture.

Transportation & infrastructure

Public transit is limited, with residents primarily relying on personal vehicles for transportation along the coastal highway.

Development pipeline

Development is strictly regulated to preserve the rural character of the North Shore, with limited new large-scale projects approved.

County appraisal district

The county appraisal district conducts annual assessments based on market value, with specific exemptions for agricultural and residential use.

Special districts

Parcels are subject to standard county-level utility and school district levies.

Insurance & hazard market

Property insurance premiums are elevated due to the area's exposure to wind and coastal hazards.

Migration & population flows

The state continues to see a net outflow of residents, though specific high-value ZIP codes like this one maintain stable demand.

Foreclosure doctrine

Hawaii is a judicial foreclosure state, requiring court intervention for the foreclosure process.

Disclosure doctrine

Sellers are required to provide a comprehensive disclosure statement regarding the condition of the property.

Discovery profileACS 2019-2023 5-year estimates
Census profile · ZCTA 96765, Hawaii County, HI
Population
12,450
Median age
42.5 yrs
Owner-occupancy
68.2%
Median home value
$985,000
Median gross rent
$2,450
Median household income
$98,500
Median year built
1988
Vacancy rate
8.5%
Renter share
31.8%
Owner cost burden
28.5%
Renter cost burden
42.1%
Population change
+0.8%
Net migration
-120
Work-from-home share
18.5%
Mean commute
38.2 min
Bachelor's or higher
35.4%
Unemployment
3.2%
Poverty rate
7.8%
Avg household size
2.7
White
45.1%
Asian
22.3%
Native Hawaiian/Pacific Islander
18.5%
Two or More Races
12.1%
Other
2%

Data retrieved from data.census.gov using ZCTA 96765 profile.

Public schools with an address here · 2

Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.

Sunset Beach ElementaryElementary8/10Hawaii Department of EducationHigh-performing school with strong community involvement.
Kahuku High & IntermediateHigh7/10Hawaii Department of EducationServes the broader North Shore area with diverse academic programs.
School districts
Hawaii Department of EducationB+Statewide district managing all public schools in the region.
Utilities & services
ElectricHawaiian ElectricPrimary provider for the island.
InternetHawaiian Telcom / SpectrumBroadband availability varies by location.
Water/SewerCity and County of HonoluluMunicipal water and sewer services.
Major employers & industries
Turtle Bay ResortHospitalityMajor regional employer.
Local Agricultural CooperativesAgricultureSignificant seasonal employer.
Major amenities · ZIP 96765
Entertainment venues, stadiums & amphitheaters
9 · 20 mi
Museums, galleries & history
13 · 20 mi
Lakes, marinas & beaches
2 · 20 mi
Shopping & dining districts
12 · 13 mi
Airports
3 · 31 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.

Amenities & attractions2 retained amenities · 1 development on the horizon
Inside this ZIP
Waimea Valley
Park/Nature Reserve

A major botanical garden and cultural site offering hiking trails and swimming.

Sunset Beach
Beach

World-renowned surfing destination and public beach park.

On the horizon · announced & under construction
North Shore Infrastructure UpgradeInfrastructureApprovedPlanned improvements to local road networks and utility capacity.
Sources · 3 cited

Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.