ZIP 96822 Property Distress & Foreclosure Data

ZIP code 96822 in Honolulu County, Hawaii carries a composite property-distress score of 33/100 — a moderate reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (74/100), construction/permit lag (62/100), institutional ownership (52/100). By contrast, mortgage stress (20/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (99/100), flood (NFIP) exposure (80/100), FEMA disaster exposure (64/100). The latent-versus-live split is 74/100 structural and 6/100 already moving.

The market reads peak — home values held roughly flat year on year, 2.1% off the recent peak, and 9% higher over three years (phase confidence 17/100). Topping markets hide individual distress behind strong averages.

The demographic-stress sub-score lands at 48/100. The poverty rate is 10.3%. The vacancy rate is 6.1%. Around 41% of renters are cost-burdened. The typical home is worth about $1,003,400 (10.3× income, severely stretched). Around 58% of adults hold a bachelor's degree or higher. The ZIP holds roughly 19,884 housing units. About 44,551 people live here, median age 42. At $95,594, median income runs above typical U.S. levels. 54% of housing is owner-occupied.

Net-net, 96822 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.