Hawaii County, HI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hawaii County, Hawaii? DLRadar grades every Hawaii County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 36/100. Here is the 2026 Hawaii County breakdown.
- Hawaii County's most distressed ZIP is 96704 at 36/100.
- 28 ZIP codes tracked in Hawaii County, averaging 36/100 distress.
- Hawaii County reads expansion — home values up 7.1% year over year.
- Vacancy runs 18.4% across Hawaii County's tracked ZIPs, with a 14.4% poverty rate.
- The typical Hawaii County home is worth about $564,285 against a ~$79,778 median income.
- Lending headwind in Hawaii County sits at 79/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 96704 | 36/100 |
| 2 | 96710 | 36/100 |
| 3 | 96719 | 36/100 |
| 4 | 96720 | 36/100 |
| 5 | 96725 | 36/100 |
| 6 | 96726 | 36/100 |
| 7 | 96727 | 36/100 |
| 8 | 96728 | 36/100 |
| 9 | 96737 | 36/100 |
| 10 | 96738 | 36/100 |
| 11 | 96740 | 36/100 |
| 12 | 96743 | 36/100 |
Most distressed ZIP codes in Hawaii County (composite distress 0-100, 2026)
What is driving Hawaii County distress
The Hawaii County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 36/100 ZIP average. No proprietary or modelled inputs enter the score.
Hawaii County market phase and pricing
Hawaii County currently sits in expansion after a 7.1% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked questions
Which Hawaii County ZIP scores worst for distress?
ZIP 96704 leads Hawaii County at 36/100, recomputed monthly from public records.
What market phase is Hawaii County in?
Hawaii County currently sits in expansion, with values up 7.1% year on year, based on FHFA price-index trajectory.
Where does the Hawaii County data come from?
Every Hawaii County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 28 Hawaii County ZIP codes that it runs on every other U.S. county, so Hawaii County's numbers are directly comparable to any other market.
How much do distress scores vary between Hawaii County ZIP codes?
One county number flattens a wide range. Across the Hawaii County ZIPs DLRadar ranks, scores run from 36/100 in 96704 down to 36/100 in 96743, against a Hawaii County average of 36/100. Because the gap runs to 0 points, Hawaii County rewards ZIP-level precision.
What do Hawaii County home values and vacancy say about distressed supply?
The typical Hawaii County home carries about $564,285 of value against a median household income near $79,778. Vacancy across Hawaii County's tracked ZIPs runs 18.4% and the poverty rate is 14.4%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Hawaii County's foreclosure and lien filings and its 79/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.