Hawaii County, Hawaii: commercial real estate data.
Hawaii County, Hawaii has a population of 205,769 across 4,028 square miles, up 4.6 percent since the 2020 census base. 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.
122 sourced county values · tier FULL · 11 sections
Hawaii County
How many people live in Hawaii County
- Population205,769
- 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-equivalents343rd
Hawaii County is the 2nd largest of 5 Hawaii counties by population. A median home costs 6.6 times median household income, which is a stretched ownership market and usually shows up as rental demand. 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 storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hawaii County
Is Hawaii County growing
- Population change since the 2020 census base4.57 percent
- Census 2020 base population200,629
- 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
The county has grown 4.57 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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 people moving to Hawaii County come from
- Tax returns filed by households arriving4,313
- People arriving, from those returns7,607
- Adjusted gross income arriving$442.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$102,477
- Largest single originHawaii County Non-migrants (76,294 households)
- Largest single destination (76,294 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hawaii County Non-migrants | 76,294 | 147,334 | $5.60 bn |
| Other flows - Different State | 1,952 | 3,481 | $179.3 m |
| Other flows - West | 888 | 1,648 | $91.0 m |
| Honolulu County | 701 | 1,216 | $48.6 m |
| Other flows - South | 520 | 921 | $43.3 m |
| Other flows - Midwest | 317 | 563 | $24.8 m |
| Other flows - Northeast | 227 | 349 | $20.2 m |
| Maui County | 170 | 296 | $10.2 m |
The largest single source of arrivals is Hawaii County Non-migrants, 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 the Hawaii County economy runs on
- 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 Hawaii counties3rd
- Rank by GDP among US county-equivalents380th
- 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
Who employs people in Hawaii County
- Covered employment, annual average74,029
- Establishments reporting7,367
- Average annual pay$57,868
- Average weekly wage$1,113
- Sector 72, employment13,305
- Sector 72, average annual pay$47,065
- Sector 44-45, employment10,106
- Sector 44-45, average annual pay$41,022
- Sector 62, employment7,914
- Sector 62, average annual pay$56,739
- Sector 23, employment4,022
- Sector 23, average annual pay$77,524
- Sector 56, employment3,836
- Sector 48-49, employment2,841
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 13,305 | 678 | $47,065 |
| Sector 44-45 | 10,106 | 680 | $41,022 |
| Sector 62 | 7,914 | 900 | $56,739 |
| Sector 23 | 4,022 | 698 | $77,524 |
| Sector 56 | 3,836 | 516 | $45,322 |
| Sector 48-49 | 2,841 | 256 | $56,599 |
| Sector 81 | 2,374 | 622 | $46,539 |
| Sector 54 | 1,964 | 811 | $83,599 |
The largest sector is the biggest private employer group at 13,305 jobs, 18.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hawaii County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Hawaii County
What is being built in Hawaii County
- Housing units authorised by permit, 2024982
- Declared construction value permitted$611.5 m
- Single family units authorised974
- Multifamily units authorised8
- Multifamily share of units0.8 percent
- Average declared value per unit$622,734
- Units authorised per 1,000 households13.3
Multifamily is 0.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hawaii County
How much SBA lending happens in Hawaii County
- 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
- Leading industry by approval countLimited-Service Restaurants (6)
- Most active lenderCentral Pacific Bank (66)
- 504 approvals recorded46
- 504 gross approval dollars$24.6 m
- Average 504 approval$533,696
- Median 504 approval$347,000
- Distinct CDCs active2
- 504 jobs per approval3.4
- 504 jobs per million dollars approved6.4
- Most active CDCHEDCO Local Development Corporation (45)
- 7(a) share of SBA approvals74.0 percent
- Combined SBA approval dollars$64.1 m
The average approval of $301,570 sits well above the median of $50,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually 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
Do SBA loans in Hawaii County get paid back
- Loans with a final outcome recorded24
- Paid in full21
- Charged off3
- Charge off rate on resolved loans12.5 percent
- Status: Paid in full21
- Status: Exempt from disclosure85
- Status: Cancelled16
- Status: Committed, not yet disbursed6
- Status: Charged off3
Of the 24 loans that have reached a final outcome, 12.5 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Hawaii County
Which parts of Hawaii County get the lending
- Places in the county with recorded lending17
- KAILUA KONA, approvals60
- Hilo, approvals22
- KAMUELA, approvals7
- PAHOA, approvals6
- KEAAU, approvals5
- Kailua-Kona, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| KAILUA KONA | 60 | $10,131,200 |
| Hilo | 22 | $6,202,000 |
| KAMUELA | 7 | $5,756,000 |
| PAHOA | 6 | $417,500 |
| KEAAU | 5 | $1,260,000 |
| Kailua-Kona | 5 | $2,203,800 |
| CAPTAIN COOK | 5 | $645,500 |
| KEALAKEKUA | 4 | $290,500 |
KAILUA KONA accounts for 60 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 big 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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Computed from shared land boundary. Geographies separated by water are not counted, so this understates the true neighbour set in this state.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population205,769
- 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?
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 growing?
The population has grown 4.57 percent since the 2020 census base. 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 there 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 the average wage in Hawaii County?
Average annual pay is $57,868, or $1,113 a week, across 74,029 covered jobs. 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 totalling $39.5 m since FY2020, across 27 lenders, with a median approval of $50,000, plus 46 504 approvals worth $24.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Hawaii County get paid back?
Of the 24 loans that have reached a final outcome, 21 were paid in full and 3 charged off, a charge off rate of 12.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Hawaii County?
982 housing units were authorised 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 Hawaii County Non-migrants, with 76,294 households. Arriving households report an average income of $102,477 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.