ZIP 96776 Foreclosure, Tax-Lien & Distress Report

Hawaii County, Hawaii's ZIP 96776 registers 36/100 composite distress, which DLRadar reads as moderate. The most distinctive pressure shows up in structural risk (79/100), institutional ownership (67/100), construction/permit lag (55/100). On the quiet end sit mortgage stress (11/100). Climate and flood risk are elevated too — climate & FEMA risk (98/100), FEMA disaster exposure (89/100), flood (NFIP) exposure (88/100). Structural exposure scores 79 and live distress 3 on the 0–100 scale.

The expansion-phase market in 96776 posted values that rose 7.1% over the year (phase confidence 61/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

At $74,536, median income runs near typical U.S. levels. Around 30% of adults hold a bachelor's degree or higher. Population is roughly 1,629 with a median age of 37. The tenure split is 73% owner-occupied to 27% rented. Rent burden reaches 10% of tenant households. Home values center near $440,900, an affordability ratio of 5.5×. Roughly 25.2% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 20.6% — elevated. The demographic-stress sub-score lands at 36/100. The ZIP holds roughly 621 housing units.

Net-net, 96776 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 96776 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 96776 runs hot or quiet, its 36/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 96776 can be compared directly against any other ZIP in Hawaii County, Hawaii or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 96776 shows blanks, not estimates, wherever the record is sparse.

The 36/100 figure for 96776 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For an operator, 96776 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.