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	96742	Kalaupapa	HI	37/100	86/100
10	96819	Honolulu	HI	37/100	77/100
11	96720	Hilo	HI	36/100	70/100
12	96770	Maunaloa	HI	36/100	80/100
13	96757	Kualapuu	HI	35/100	86/100
14	96796	Waimea	HI	35/100	65/100
15	96703	Anahola	HI	34/100	77/100
16	96744	Kaneohe	HI	34/100	82/100
17	96752	Kekaha	HI	34/100	77/100
18	96734	Kailua	HI	33/100	55/100
19	96740	Kailua Kona	HI	33/100	72/100
20	96746	Kapaa	HI	33/100	55/100
21	96750	Kealakekua	HI	32/100	73/100
22	96816	Honolulu	HI	32/100	77/100
23	96751	Kealia	HI	31/100	88/100
24	96753	Kihei	HI	31/100	72/100
25	96773	Ninole	HI	31/100	88/100
26	96792	Waianae	HI	31/100	55/100
27	96747	Kaumakani	HI	30/100	87/100
28	96765	Lawai	HI	29/100	73/100
29	96815	Honolulu	HI	29/100	77/100
30	96826	Honolulu	HI	29/100	77/100
31	96848	Honolulu	HI	29/100	88/100
32	96713	Hana	HI	28/100	87/100
33	96725	Holualoa	HI	28/100	86/100
34	96791	Waialua	HI	28/100	60/100
35	96822	Honolulu	HI	28/100	77/100
36	96825	Honolulu	HI	28/100	77/100
37	96766	Lihue	HI	27/100	77/100
38	96716	Hanapepe	HI	26/100	65/100
39	96728	Honomu	HI	26/100	88/100
40	96748	Kaunakakai	HI	26/100	90/100
41	96763	Lanai City	HI	26/100	85/100
42	96795	Waimanalo	HI	26/100	65/100
43	96732	Kahului	HI	25/100	65/100
44	96764	Laupahoehoe	HI	25/100	88/100
45	96776	Paauilo	HI	25/100	88/100
46	96778	Pahoa	HI	25/100	82/100
47	96817	Honolulu	HI	25/100	82/100
48	96759	Kunia	HI	24/100	88/100
49	96774	Ookala	HI	24/100	88/100
50	96779	Paia	HI	24/100	73/100
51	96783	Pepeekeo	HI	24/100	88/100
52	96727	Honokaa	HI	23/100	73/100
53	96731	Kahuku	HI	23/100	87/100
54	96743	Kamuela	HI	23/100	71/100
55	96754	Kilauea	HI	23/100	82/100
56	96761	Lahaina	HI	23/100	85/100
57	96777	Pahala	HI	23/100	87/100
58	96780	Papaaloa	HI	23/100	73/100
59	96781	Papaikou	HI	23/100	88/100
60	96782	Pearl City	HI	23/100	82/100
61	96701	Aiea	HI	22/100	82/100
62	96704	Captain Cook	HI	22/100	73/100
63	96721	Hilo	HI	22/100	86/100
64	96726	Honaunau	HI	22/100	66/100
65	96729	Hoolehua	HI	22/100	88/100
66	96813	Honolulu	HI	22/100	82/100
67	96818	Honolulu	HI	22/100	87/100
68	96708	Haiku	HI	21/100	70/100
69	96786	Wahiawa	HI	21/100	87/100
70	96814	Honolulu	HI	21/100	87/100
71	96857	Schofield Barracks	HI	21/100	86/100
72	96741	Kalaheo	HI	20/100	87/100
73	96793	Wailuku	HI	20/100	85/100
74	96719	Hawi	HI	19/100	66/100
75	96755	Kapaau	HI	19/100	66/100
76	96705	Eleele	HI	18/100	66/100
77	96722	Princeville	HI	18/100	82/100
78	96789	Mililani	HI	18/100	73/100
79	96790	Kula	HI	18/100	95/100
80	96797	Waipahu	HI	18/100	87/100
81	96710	Hakalau	HI	17/100	66/100
82	96760	Kurtistown	HI	17/100	73/100
83	96768	Makawao	HI	17/100	95/100
84	96772	Naalehu	HI	17/100	66/100
85	96749	Keaau	HI	16/100	73/100
86	96706	Ewa Beach	HI	15/100	60/100
87	96771	Mountain View	HI	15/100	73/100
88	96707	Kapolei	HI	14/100	73/100
89	96737	Ocean View	HI	14/100	66/100
90	96785	Volcano	HI	14/100	66/100
91	96801	Honolulu	HI	14/100	87/100
92	96802	Honolulu	HI	14/100	88/100
93	96803	Honolulu	HI	14/100	87/100
94	96804	Honolulu	HI	14/100	87/100
95	96805	Honolulu	HI	14/100	88/100
96	96806	Honolulu	HI	14/100	88/100
97	96807	Honolulu	HI	14/100	88/100
98	96808	Honolulu	HI	14/100	88/100
99	96809	Honolulu	HI	14/100	88/100
100	96810	Honolulu	HI	14/100	87/100

Methodology

The Home Purchase Risk Score combines environmental hazards that create unexpected costs for homebuyers: water system violations requiring filtration, lead service lines requiring replacement, radon requiring mitigation systems, flood zones requiring insurance, and aging infrastructure requiring upgrades. 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.