ZIP 96778 Property Distress & Foreclosure Data

ZIP code 96778 in Hawaii County, Hawaii carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (60/100), construction/permit lag (53/100), institutional ownership (20/100). On the quiet end sit institutional ownership (20/100) and mortgage stress (11/100). Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (89/100)). The latent-versus-live split is 60/100 structural and 3/100 already moving.

The expansion-phase market in 96778 posted values that rose 7.1% over the year, and 9% higher over three years (phase confidence 66/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Around 68% of renters are cost-burdened. 35.4% of residents fall below the poverty threshold. Median household income is $34,863, below the U.S. median near $78,000. Educational attainment sits at 22% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 50/100. The vacancy rate is 14.1% — elevated. Owners hold 80% of homes, renters 20%. The ZIP holds roughly 7,098 housing units. Population is roughly 14,225 with a median age of 46. Home values center near $273,800, an affordability ratio of 6.9×.

On the whole, 96778 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.