Best Places96728, HI Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 96728, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
96728 ranks 18,863rd of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on clean air by a wide margin, and distance from a big city ranks lowest.
The best neighborhoods in 96728
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
96728's strengths and weaknesses
Where 96728 ranks high
- Air qualityBetter than 99% of zip codes
- Low property taxBetter than 96% of zip codes
- QuietBetter than 94% of zip codes
- Household income$111,714 median, better than 86% of zip codes
- Heat safetyBetter than 86% of zip codes
Where 96728 ranks low
- Big-city accessBetter than only 3% of zip codes
- Housing crash safetyBetter than only 7% of zip codes
- State fiscal healthBetter than only 7% of zip codes
- State infrastructureBetter than only 8% of zip codes
- Low vacancyBetter than only 8% of zip codes
What it costs to buy a home in 96728
A household needs to earn about $124,000 a year to comfortably buy the median 96728 home, at 20% down and today's 30-year rate. That is only a little above the area's median income of $111,714; the gap is small, which keeps homes within reach of local pay.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 96728's effective rate of 0.30%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 96728
96728 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 96728.
Who works in 96728, and how
Work in 96728 centers on health care & social and public administration. Unemployment runs well above the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 79%
- Work from home 18%
- Transit, walk, or bike 3%
Life in 96728
The coast is about 1 minutes away. Distance to the water changes a lot across 96728, which the map shows.
What the weather is like in 96728, month by month
96728 sees roughly 95 pleasant days a year. July highs average about 85 degrees. January highs sit near 82, with lows near 64. The comfortable stretch runs November through May.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 82° | 72° | 64° |
| April | 82° | 74° | 67° |
| July | 85° | 77° | 70° |
| October | 85° | 76° | 69° |
Flying in and out of 96728
The nearest airport, Hilo International, is about 11 miles away and is a small airport. The nearest major hub is Kahului, about 111 miles away.
The best schools in and around 96728
Schools across 96728 average a D+, better than 13% of zip codes.
Top elementary schools
- Prince Jonah Kalanianaole Elementary & Intermediate SchoolD− · 15% proficient
Top high schools
- Hilo High SchoolC+ · 40% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 96728 school and its grade on SchoolGrade.
96728 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 96728 against the other 33,109 zip codes.
Common questions about living in 96728
Is 96728 a good place to live?
Using BestNeighborhood's default rankings, 96728 ranks 18,863rd of 33,110 zip codes. It scores highest on clean air, low property taxes, and quiet, and lowest on distance from a big city and an overheated housing market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 96728 expensive to live in?
The median home is worth $511,069. The overall cost of living runs about 56% above the national average. Set against a $111,714 median income, cost of living beats 27% of zip codes.
Is 96728 safe?
96728 is safer than 37% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $415 per resident a year.
Compare 96728 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 96728. Scores are absolute rather than ranked, which means a 60 in 96728 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
96728 detail on BestNeighborhood maps:
- Walk Grade for 96728: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 96728: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 96728: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 96728: carrier by carrier coverage behind the cell score.
96728 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.