Mortgage payment estimates, closing cost breakdowns, and homebuying data for Kapolei, Hawaii.
Median Home Price
$725K
Population
22K
Avg Monthly Rent
$2,450
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 Kapolei.
Kapolei vs Hawaii Median
The median home price in Kapolei is $725,000, which is 13% below the Hawaii state median of $830,000.
Mortgage Calculator — Kapolei, HI
Pre-filled with Kapolei median home price and Hawaii tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $725K home using Hawaii's 0.28% tax rate and $1,200/yr insurance.
5% Down
$5,024/mo
Down: $36,250
Loan: $689K
P&I: $4,353
Tax: $169
Insurance: $100
PMI: $402
10% Down
$4,774/mo
Down: $72,500
Loan: $653K
P&I: $4,124
Tax: $169
Insurance: $100
PMI: $381
20% Down (No PMI)
$3,935/mo
Down: $145,000
Loan: $580K
P&I: $3,666
Tax: $169
Insurance: $100
Income needed (28% rule): $169K/year with 20% down, $205K/year with 10% down.
Rent vs Buy in Kapolei
Rent
$2,450/mo
vs
Buy (10% down)
$4,774/mo
Price-to-rent ratio: 24.7 — At a ratio above 20, renting may be more economical in Kapolei for shorter stays. Buying costs $2,324 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 Kapolei is $725,000, 13% below the Hawaii state median of $830,000. With a population of 21,926, Kapolei 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 Kapolei 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 Kapolei is $2,450/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.
Kapolei is a higher-cost market. At $725K 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 Kapolei.