ZIP 96728 Property Distress & Foreclosure Data

ZIP code 96728 in Hawaii County, Hawaii carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (98/100), flood (NFIP) exposure (89/100). What sets it apart are the readings on structural risk (60/100), construction/permit lag (53/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (11/100) stay muted. Structural exposure scores 60 and live distress 3 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 7.1% over the trailing year, at 66/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 208 housing units across 96728. The tenure split is 77% owner-occupied to 23% rented. Vacancy runs 20.2%, above the national norm and a classic distress-and-opportunity signal. About 39% have a four-year degree. Roughly 4.3% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 96728 scores 40/100. A median home runs $427,600 here, or 6.3 times local income. Households earn a median $69,063 — near the roughly $78,000 national figure. 370 residents call 96728 home, typically aged 45. Rent burden reaches 60% of tenant households.

Taken together, 96728 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.