Mortgage Calculator & Closing Costs: Ewa Beach, HI
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Ewa Beach, Hawaii.
Median Home Price
$735K
Population
15K
Avg Monthly Rent
$2,250
Property Tax Rate
0.28% *
* Property tax shown is the Hawaii state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Ewa Beach.
Ewa Beach vs Hawaii Median
The median home price in Ewa Beach is $735,000, which is 11% below the Hawaii state median of $830,000.
Mortgage Calculator — Ewa Beach, HI
Pre-filled with Ewa Beach median home price and Hawaii tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $735K home using Hawaii's 0.28% tax rate and $1,200/yr insurance.
5% Down
$5,092/mo
Down: $36,750
Loan: $698K
P&I: $4,413
Tax: $172
Insurance: $100
PMI: $407
10% Down
$4,839/mo
Down: $73,500
Loan: $662K
P&I: $4,181
Tax: $172
Insurance: $100
PMI: $386
20% Down (No PMI)
$3,988/mo
Down: $147,000
Loan: $588K
P&I: $3,717
Tax: $172
Insurance: $100
Income needed (28% rule): $171K/year with 20% down, $207K/year with 10% down.
Rent vs Buy in Ewa Beach
Rent
$2,250/mo
vs
Buy (10% down)
$4,839/mo
Price-to-rent ratio: 27.2 — At a ratio above 20, renting may be more economical in Ewa Beach for shorter stays. Buying costs $2,589 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Ewa Beach is $735,000, 11% below the Hawaii state median of $830,000. With a population of 14,955, Ewa Beach is a smaller market where home prices tend to be more accessible than in many parts of Hawaii.
Property taxes in Hawaii average 0.28% annually. This low property tax rate is a significant advantage for Ewa Beach buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Hawaii runs approximately $1,200 per year. This is within the normal range nationally.
Average rent in Ewa Beach is $2,250/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Ewa Beach is a higher-cost market. At $735K median, buyers need significant savings or strong income. Down payment assistance through Hawaii's HHFDC Hula Mae Program program becomes especially important.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Ewa Beach.