Hawaii County, Hawaii: commercial real estate data.
Hawaii County, Hawaii had an estimated 209,790 residents on July 1, 2024, up 4.6 percent since the 2020 census base of 200,629, across 4,028 square miles. County output reached $12.19 bn in 2024, 4,400 establishments operate here, and the SBA record carries 131 7(a) approvals worth $39.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hawaii County
How many people live in Hawaii County
- Population, American Community Survey 2020-2024205,769
- Households74,072
- Average household size2.78
- Median household income$78,639
- Median age44.3
- Median gross rent$1,510 per month
- Median owner-occupied home value$519,300
- Home value to household income6.6 times
- Annual rent as a share of median income23.0 percent
- Adults 25 and over with a bachelor degree or higher31.4 percent
- Adults 25 and over with a graduate degree12.3 percent
- Adults 25 and over149,578
- Population under 1842,438
- Share under 1820.6 percent
- Population 65 and over49,001
- Share 65 and over23.8 percent
- Working age population, 18 to 64114,330
- Civilian labor force94,449
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over57.8 percent
- Rank by population among Hawaii counties2nd of 5
- Rank by population among US county-equivalents, Puerto Rico included343rd of 3,222
Hawaii County is the 2nd largest of 5 Hawaii counties by population. A median home costs 6.6 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.8 percent against 20.6 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hawaii County
Is Hawaii County's population growing?
- Population, July 1, 2024209,790
- Census 2020 base population200,629
- Population change since the 2020 census base4.57 percent
- Population change, 2023 to 20241,747
- Births, 20241,738
- Deaths, 20242,060
- Natural change, 2024-322
- Net domestic migration, 2024624
- Net international migration, 20241,452
- Total net migration, 20242,076
- Cumulative net domestic migration, 2021 to 20245,793
- Rank by growth among US county-equivalents600th of 3,144
The county has grown 4.57 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Hawaii County
Where are people moving to Hawaii County from?
- Tax returns filed by households arriving4,313
- People arriving, from those returns7,607
- Tax returns filed by households leaving3,640
- Net household movement673
- Adjusted gross income arriving$442.0 m
- Net adjusted gross income movement$154.0 m
- Average income of an arriving household$102,477
- Average income of a leaving household$79,112
- Largest single originHonolulu County (701 households)
- Largest single destinationHonolulu County (469 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Honolulu County | 701 | 1,216 | $48.6 m |
| Maui County | 170 | 296 | $10.2 m |
| Los Angeles County | 154 | 248 | $29.7 m |
| King County | 116 | 177 | $14.1 m |
| San Diego County | 108 | 175 | $10.4 m |
| Maricopa County | 98 | 171 | $8.4 m |
| Clark County | 89 | 177 | $5.5 m |
| Orange County | 78 | 140 | $17.0 m |
Households arriving report $23,365 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Honolulu County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Hawaii County
What is the Hawaii County economy?
- County GDP, 2024$12.19 bn
- County GDP, 2023$11.43 bn
- GDP change, 2023 to 20246.7 percent
- GDP change over five years51.4 percent
- Rank by GDP among the Hawaii areas BEA publishes3rd of 4
- Rank by GDP among the US county areas BEA publishes380th of 3,127
- GDP per resident$59,256
Output grew 6.7 percent in the latest year and 51.4 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Hawaii County
Employment by industry in Hawaii County
- Covered employment, annual average74,029
- Establishments reporting7,367
- Average annual pay$57,868
- Average weekly wage$1,113
- Accommodation and food services, employment13,305
- Accommodation and food services, average annual pay$47,065
- Retail trade, employment10,106
- Retail trade, average annual pay$41,022
- Health care and social assistance, employment7,914
- Health care and social assistance, average annual pay$56,739
- Construction, employment4,022
- Construction, average annual pay$77,524
- Administrative and support and waste management services, employment3,836
- Transportation and warehousing, employment2,841
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 13,305 | 678 | $47,065 |
| Retail trade | 10,106 | 680 | $41,022 |
| Health care and social assistance | 7,914 | 900 | $56,739 |
| Construction | 4,022 | 698 | $77,524 |
| Administrative and support and waste management services | 3,836 | 516 | $45,322 |
| Transportation and warehousing | 2,841 | 256 | $56,599 |
| Other services, except public administration | 2,374 | 622 | $46,539 |
| Professional, scientific and technical services | 1,964 | 811 | $83,599 |
Accommodation and food services is the largest private sector at 13,305 jobs, 18.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hawaii County
How many businesses are in Hawaii County?
- Establishments, all industries4,400
- Employment at those establishments54,716
- Annual payroll$2.82 bn
- Establishments per 1,000 residents21.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Hawaii County
Building permits in Hawaii County
- Housing units authorized by permit, 2024982
- Declared construction value permitted$611.5 m
- Single family units authorized974
- Multifamily units authorized8
- Multifamily share of units0.8 percent
- Average declared value per unit$622,734
- Units authorized per 1,000 households13.3
Single-family homes are 99.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Hawaii County
SBA loans in Hawaii County (7(a) and 504)
- 7(a) approvals recorded131
- 7(a) gross approval dollars$39.5 m
- Average 7(a) approval$301,570
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$825,000
- Largest single approval$4,051,000
- Jobs reported supported, 7(a)804
- Jobs per approval6.1
- Distinct 7(a) lenders active27
- Distinct industries receiving approvals82
- Median 7(a) term60 months
- Share of loans on real estate terms, 240 months or longer8.4 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter120
- Franchise loans1
- Franchise share of approvals0.8 percent
- Most active lenderCentral Pacific Bank (66)
- 504 approvals recorded46
- 504 gross approval dollars$24.6 m
- Average 504 approval$533,696
- Median 504 approval$336,000
- Distinct CDCs active2
- 504 jobs per approval3.4
- 504 jobs per million dollars approved6.4
- Most active CDCHEDCO Local Development Corporation (45)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$64.1 m
The average approval of $301,570 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 8.4 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Hawaii County
SBA loan default and charge-off rates in Hawaii County
Do SBA loans in Hawaii County get paid back?
- Loans with a final outcome recorded24
- Paid in full21
- Charged off3
- Status: Paid in full21
- Status: Exempt from disclosure85
- Status: Cancelled16
- Status: Committed, not yet disbursed6
- Status: Charged off3
Only 24 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Hawaii County
SBA lending by place in Hawaii County
- Borrower cities with recorded lending16
- Kailua Kona, approvals65
- Hilo, approvals22
- Kamuela, approvals7
- Pahoa, approvals6
- Keaau, approvals5
- Captain Cook, approvals5
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Kailua Kona | 65 | $12,335,000 |
| Hilo | 22 | $6,202,000 |
| Kamuela | 7 | $5,756,000 |
| Pahoa | 6 | $417,500 |
| Keaau | 5 | $1,260,000 |
| Captain Cook | 5 | $645,500 |
| Holualoa | 4 | $748,500 |
| Kealakekua | 4 | $290,500 |
| 8 other borrower cities | 13 | $11,850,700 |
Kailua Kona accounts for 65 approvals against 22 in Hilo. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Hawaii County
How large is Hawaii County?
- Land area4,028 sq mi
- Rank by land area among Hawaii counties1st of 5
- Width, east to west81.8 mi
- Height, north to south93.5 mi
- Geographies sharing a boundary0
- Residents per square mile of land51
- Establishments per square mile1.09
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Hawaii County
Flood risk in Hawaii County
- Participation of the county's own NFIP community Hawaii County, unincorporated areasParticipating, community 155166
- Community Rating System class of the county's own communityClass 7
- Communities in the county in the NFIP Community Status Book1
- Of those, participating in the NFIP1
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Hawaii County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Hawaii County (community 155166), participates in the National Flood Insurance Program and carries Community Rating System class 7, a flood insurance premium discount for policies written there. The EPA places Hawaii County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Hawaii County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Hawaii County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024205,769
- Households74,072
- Average household size2.78
- Median household income$78,639
- Median age44.3
Common questions
Hawaii County questions, answered from the record.
How many people live in Hawaii County, Hawaii?
The Census Bureau estimates 209,790 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 205,769, in 74,072 households, ranking 2nd of 5 Hawaii counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hawaii County's population growing?
The population has grown 4.57 percent since the 2020 census base of 200,629, to 209,790 on July 1, 2024. In 2024 there were 1,738 births against 2,060 deaths, with net migration of 2,076. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hawaii County?
$78,639. The median owner-occupied home is valued at $519,300, which is 6.6 times income, and median gross rent is $1,510 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hawaii County?
4,400 establishments, employing 54,716 people with an annual payroll of $2.82 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Hawaii County?
Accommodation and food services is the largest private sector at 13,305 jobs, 18.0 percent of covered employment. Covered employment averages 74,029 jobs at an average annual pay of $57,868, or $1,113 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hawaii County?
131 7(a) approvals totaling $39.5 m since FY2020, across 27 lenders, with a median approval of $50,000, plus 46 504 approvals worth $24.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hawaii County?
982 housing units were authorized by permit in 2024, with a declared construction value of $611.5 m. Multifamily was 0.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hawaii County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Hawaii County come from?
The largest single origin is Honolulu County, with 701 households. Arriving households report an average income of $102,477 against $79,112 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hawaii County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Hawaii County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Hawaii County
Cities and places in Hawaii.
54 Census places lie wholly or partly in Hawaii County. All 54 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Hilo | CDP | 50,404 | 22 | Wholly in this county |
| Kailua | CDP | 21,818 | None recorded | Wholly in this county |
| Hawaiian Paradise Park | CDP | 13,203 | None recorded | Wholly in this county |
| Kaiminani | CDP | 11,465 | None recorded | Wholly in this county |
| Waimea | CDP | 9,286 | None recorded | Wholly in this county |
| Waikoloa Village | CDP | 7,543 | 2 | Wholly in this county |
| Kahaluu-Keauhou | CDP | 5,150 | None recorded | Wholly in this county |
| Hawaiian Ocean View | CDP | 4,431 | None recorded | Wholly in this county |
| Ainaloa | CDP | 4,094 | None recorded | Wholly in this county |
| Hawaiian Beaches | CDP | 3,947 | None recorded | Wholly in this county |
| Hawaiian Acres | CDP | 3,872 | None recorded | Wholly in this county |
| Mountain View | CDP | 3,756 | 3 | Wholly in this county |
| Holualoa | CDP | 3,434 | 4 | Wholly in this county |
| Captain Cook | CDP | 3,419 | 5 | Wholly in this county |
| Kurtistown | CDP | 3,151 | None recorded | Wholly in this county |
| Orchidlands Estates | CDP | 3,027 | None recorded | Wholly in this county |
| Honaunau-Napoopoo | CDP | 2,629 | None recorded | Wholly in this county |
| Kapaau | CDP | 2,224 | None recorded | Wholly in this county |
| Hawi | CDP | 2,070 | 2 | Wholly in this county |
| Pepeekeo | CDP | 2,056 | None recorded | Wholly in this county |
| Honokaa | CDP | 1,963 | 1 | Wholly in this county |
| Kealakekua | CDP | 1,919 | 4 | Wholly in this county |
| Pahala | CDP | 1,768 | None recorded | Wholly in this county |
| Nanawale Estates | CDP | 1,692 | None recorded | Wholly in this county |
| Leilani Estates | CDP | 1,490 | None recorded | Wholly in this county |
| Fern Acres | CDP | 1,480 | None recorded | Wholly in this county |
| Keaau | CDP | 1,436 | 5 | Wholly in this county |
| Kaloko | CDP | 1,432 | None recorded | Wholly in this county |
| Pahoa | CDP | 1,361 | 6 | Wholly in this county |
| Papaikou | CDP | 1,332 | None recorded | Wholly in this county |
| Eden Roc | CDP | 1,166 | None recorded | Wholly in this county |
| Fern Forest | CDP | 1,088 | None recorded | Wholly in this county |
| Discovery Harbour | CDP | 1,079 | None recorded | Wholly in this county |
| Honalo | CDP | 1,071 | None recorded | Wholly in this county |
| Halaula | CDP | 1,033 | None recorded | Wholly in this county |
| Wainaku | CDP | 967 | None recorded | Wholly in this county |
| Laupahoehoe | CDP | 916 | None recorded | Wholly in this county |
| Mauna Loa Estates | CDP | 901 | None recorded | Wholly in this county |
| Naalehu | CDP | 872 | 1 | Wholly in this county |
| Royal Hawaiian Estates | CDP | 852 | None recorded | Wholly in this county |
| Volcano Golf Course | CDP | 807 | None recorded | Wholly in this county |
| Volcano | CDP | 746 | None recorded | Wholly in this county |
| Waikoloa Beach Resort | CDP | 656 | None recorded | Wholly in this county |
| Paauilo | CDP | 610 | 1 | Wholly in this county |
| Paukaa | CDP | 450 | None recorded | Wholly in this county |
| Seaview | CDP | 443 | None recorded | Wholly in this county |
| Honomu | CDP | 376 | None recorded | Wholly in this county |
| Black Sands | CDP | 354 | None recorded | Wholly in this county |
| Kukuihaele | CDP | 310 | None recorded | Wholly in this county |
| Puako | CDP | 259 | None recorded | Wholly in this county |
| Tiki Gardens | CDP | 245 | None recorded | Wholly in this county |
| Kamaili | CDP | 221 | None recorded | Wholly in this county |
| Waiohinu | CDP | 152 | None recorded | Wholly in this county |
| Kalapana | CDP | 76 | None recorded | Wholly in this county |
A further 75 of the county's 131 SBA 7(a) approvals are to borrowers in cities that match no Census place in Hawaii County, the largest being Kailua Kona (65), Kamuela (7), Hakalau (2). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby
Sharing a boundary with Hawaii.
No county-equivalent shares a land boundary with Hawaii County. Computed from shared land boundary. Geographies separated by water are not counted, so this understates the true neighbor set in this state.