Worst ZIP Codes for Homebuyers in Hawaii — 2026

Out of 137 ZIP codes with data in Hawaii, these are the highest-ranked areas for purchase risk. See also: National Worst ZIP Codes for Homebuyers — Hidden Risk Factors | All Hawaii Rankings

Statistic	Value
ZIP codes ranked	137
Highest value	46/100
Median value	21/100
State	Hawaii

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Purchase Risk	Safety Score
1	96769	Makaweli	HI	46/100	73/100
2	96821	Honolulu	HI	44/100	72/100
3	96714	Hanalei	HI	40/100	72/100
4	96756	Koloa	HI	39/100	72/100
5	96762	Laie	HI	39/100	77/100
6	96712	Haleiwa	HI	38/100	55/100
7	96717	Hauula	HI	37/100	60/100
8	96730	Kaaawa	HI	37/100	60/100
9	96819	Honolulu	HI	37/100	77/100
10	96720	Hilo	HI	36/100	70/100
11	96770	Maunaloa	HI	36/100	80/100
12	96757	Kualapuu	HI	35/100	86/100
13	96796	Waimea	HI	35/100	65/100
14	96703	Anahola	HI	34/100	77/100
15	96744	Kaneohe	HI	34/100	82/100
16	96752	Kekaha	HI	34/100	77/100
17	96734	Kailua	HI	33/100	55/100
18	96740	Kailua Kona	HI	33/100	72/100
19	96746	Kapaa	HI	33/100	55/100
20	96750	Kealakekua	HI	32/100	73/100
21	96816	Honolulu	HI	32/100	77/100
22	96751	Kealia	HI	31/100	88/100
23	96753	Kihei	HI	31/100	72/100
24	96773	Ninole	HI	31/100	88/100
25	96792	Waianae	HI	31/100	55/100
26	96747	Kaumakani	HI	30/100	87/100
27	96765	Lawai	HI	29/100	73/100
28	96815	Honolulu	HI	29/100	77/100
29	96826	Honolulu	HI	29/100	77/100
30	96848	Honolulu	HI	29/100	88/100
31	96713	Hana	HI	28/100	87/100
32	96725	Holualoa	HI	28/100	86/100
33	96791	Waialua	HI	28/100	60/100
34	96822	Honolulu	HI	28/100	77/100
35	96825	Honolulu	HI	28/100	77/100
36	96766	Lihue	HI	27/100	77/100
37	96716	Hanapepe	HI	26/100	65/100
38	96728	Honomu	HI	26/100	88/100
39	96748	Kaunakakai	HI	26/100	90/100
40	96763	Lanai City	HI	26/100	85/100
41	96795	Waimanalo	HI	26/100	65/100
42	96732	Kahului	HI	25/100	65/100
43	96764	Laupahoehoe	HI	25/100	88/100
44	96776	Paauilo	HI	25/100	88/100
45	96778	Pahoa	HI	25/100	82/100
46	96817	Honolulu	HI	25/100	82/100
47	96759	Kunia	HI	24/100	88/100
48	96774	Ookala	HI	24/100	88/100
49	96779	Paia	HI	24/100	73/100
50	96783	Pepeekeo	HI	24/100	88/100
51	96727	Honokaa	HI	23/100	73/100
52	96731	Kahuku	HI	23/100	87/100
53	96743	Kamuela	HI	23/100	71/100
54	96754	Kilauea	HI	23/100	82/100
55	96761	Lahaina	HI	23/100	85/100
56	96777	Pahala	HI	23/100	87/100
57	96780	Papaaloa	HI	23/100	73/100
58	96781	Papaikou	HI	23/100	88/100
59	96782	Pearl City	HI	23/100	82/100
60	96701	Aiea	HI	22/100	82/100
61	96704	Captain Cook	HI	22/100	73/100
62	96729	Hoolehua	HI	22/100	88/100
63	96813	Honolulu	HI	22/100	82/100
64	96818	Honolulu	HI	22/100	87/100
65	96708	Haiku	HI	21/100	70/100
66	96786	Wahiawa	HI	21/100	87/100
67	96814	Honolulu	HI	21/100	87/100
68	96857	Schofield Barracks	HI	21/100	86/100
69	96741	Kalaheo	HI	20/100	87/100
70	96793	Wailuku	HI	20/100	85/100
71	96719	Hawi	HI	19/100	66/100
72	96755	Kapaau	HI	19/100	66/100
73	96705	Eleele	HI	18/100	66/100
74	96722	Princeville	HI	18/100	82/100
75	96789	Mililani	HI	18/100	73/100
76	96790	Kula	HI	18/100	95/100
77	96797	Waipahu	HI	18/100	87/100
78	96710	Hakalau	HI	17/100	66/100
79	96760	Kurtistown	HI	17/100	73/100
80	96768	Makawao	HI	17/100	95/100
81	96772	Naalehu	HI	17/100	66/100
82	96749	Keaau	HI	16/100	73/100
83	96706	Ewa Beach	HI	15/100	60/100
84	96771	Mountain View	HI	15/100	73/100
85	96707	Kapolei	HI	14/100	73/100
86	96737	Ocean View	HI	14/100	66/100
87	96785	Volcano	HI	14/100	66/100

Methodology

The Home Purchase Risk Score combines area indicators that may lead to added costs for homebuyers: water system violation records, lead service line indicators, county radon potential, flood zones and housing age. An indicator does not mean a home needs filtration, mitigation, insurance or upgrades; a home test or inspection decides that. These are factors that standard home inspections may not fully capture.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-04-13.

Frequently Asked Questions

What is the Home Purchase Risk Score?

This score (0-100) estimates the hidden environmental costs a homebuyer may face: water filtration needs, lead pipe replacement, radon mitigation, flood insurance, and infrastructure upgrades. Higher scores mean more potential unexpected expenses after purchase.

What should homebuyers do in high-risk ZIP codes?

Request a water quality test, check for lead service lines with the utility, test for radon before closing, verify FEMA flood zone designation, and factor in potential remediation costs ($5,000-$30,000+) to your budget.