ZIP 96738 Property Distress & Foreclosure Data

In Hawaii County, Hawaii, ZIP 96738 scores 26 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (89/100). The latent-versus-live split is 60/100 structural and 3/100 already moving. Its standout signals are structural risk (60/100), construction/permit lag (53/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (11/100) register low.

The market reads expansion — home values rose 7.1% year on year, and 12% higher over three years (phase confidence 66/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $813,800 (7.6× income, severely stretched). The vacancy rate is 43.3% — elevated. At $90,545, median income runs above typical U.S. levels. Around 42% of renters are cost-burdened. Around 36% of adults hold a bachelor's degree or higher. About 7,407 people live here, median age 43. The poverty rate is 7.8%. 78% of housing is owner-occupied. The demographic-stress sub-score lands at 44/100. The ZIP holds roughly 4,884 housing units.

Net-net, 96738 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.