In East Honolulu, a typical home is worth $1,212,000 and typical rent is $3,313 a month. Compared with all of Honolulu County, typical rent is 59% higher, typical household income is 50% higher, and the share of households that own their home is 25 points higher.
East Honolulu is in Honolulu County. The FHA loan limit ($828,000 for a one-unit home), the fair market rents and the help on this page are those of all of Honolulu County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Kaneohe Base, the typical home value is $352,000: 71% less than in East Honolulu ($1,212,000).
2
East Honolulu has the 2nd highest typical household income of the 58 cities in Hawaii with more than 5,000 people ($159,518).
3
85% of households in East Honolulu own their home, against 60% in Honolulu County.
4
The typical rent in East Honolulu is $3,313 a month, 59% more than in Honolulu County as a whole ($2,083).
5
Nearby, in Waimanalo, the typical rent is $1,764: 47% less than in East Honolulu ($3,313).
6
The typical home in East Honolulu is worth $1,212,000,35% more than in Honolulu County as a whole ($897,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in East Honolulu
What homes there are in East Honolulu, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
East Honolulu
Honolulu County
Hawaii
United States
Kind of home: East Honolulu and its comparisons
Measure
East Honolulu
Honolulu County
Hawaii
United States
Detached house
71%
45%
54%
61%
Attached house
8%
11%
9%
6%
Building of 2 to 4
2%
7%
6%
8%
Apartments (5 or more)
18%
37%
31%
19%
Mobile home
Unreliable estimate
0%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in East Honolulu: 71% of homes, more than in Honolulu County (45%).
Year built
Before 19601960–19791980–19992000–20092010 or later
East Honolulu
Honolulu County
Hawaii
United States
Year built: East Honolulu and its comparisons
Measure
East Honolulu
Honolulu County
Hawaii
United States
Before 1960
14%
16%
14%
26%
1960–1979
50%
41%
36%
24%
1980–1999
22%
24%
28%
25%
2000–2009
9%
10%
12%
14%
2010 or later
5%
9%
9%
11%
By age, homes in East Honolulu look like those in Honolulu County: the typical year built is 1975.
There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 54% in Honolulu County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K2%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K8%
$750K–$1M17%
$1M or more70%
Value of owner-occupied homes: East Honolulu and its comparisons
Measure
East Honolulu
Under $100K
Unreliable estimate
$100K–$200K
2%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
8%
$750K–$1M
17%
$1M or more
70%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,4996%
$1,500–$1,999Unreliable
$2,000–$2,49910%
$2,500–$2,99915%
$3,000 or more61%
Monthly rent with utilities: East Honolulu and its comparisons
Measure
East Honolulu
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
6%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
10%
$2,500–$2,999
15%
$3,000 or more
61%
With a mortgage
$3,765 a month
Honolulu County: $3,111 a month
Without a mortgage
$827 a month
Honolulu County: $783 a month
Owners with a mortgage
61%
Honolulu County: 65%
In East Honolulu, 61% of owners have a mortgage, and their typical cost is $3,765 a month, against $3,111 in Honolulu County. Without one it drops to $827.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
East Honolulu+26%
Honolulu County+32%
Hawaii+36%
United States+53%
Typical rent
East Honolulu+24%
Honolulu County+19%
Hawaii+22%
United States+33%
Typical household income
East Honolulu+20%
Honolulu County+24%
Hawaii+24%
United States+29%
Change since 2015–2019: East Honolulu and its comparisons
Measure
East Honolulu
Honolulu County
Hawaii
United States
Typical home value
+26%
+32%
+36%
+53%
Typical rent
+24%
+19%
+22%
+33%
Typical household income
+20%
+24%
+24%
+29%
The typical home value in East Honolulu rose 26% since 2015–2019, less than in Honolulu County (32%).
Rents in East Honolulu rose faster than in Honolulu County: 24% since 2015–2019, against 19%.
Housing prices ran ahead of income in East Honolulu: typical income rose 20%, against +26% for home values and +24% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: East Honolulu and its comparisons
Measure
East Honolulu
Honolulu County
Hawaii
United States
Rental vacancy
9.0%
5.6%
7.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.9%
0.9%
More than one person per room
2.8%
8.9%
8.8%
3.4%
People per household
2.85
2.85
2.85
2.53
Drive alone
66%
63%
65%
69%
Carpool
12%
14%
14%
9%
Public transit
1%
5%
4%
3%
Walk or bike
1%
6%
5%
3%
Work from home
17%
9%
10%
15%
Other means
2%
3%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In East Honolulu, the rental vacancy rate is 9.0%; in Honolulu County, 5.6%.
In East Honolulu, 2.8% of households live with more than one person per room, against 8.9% in Honolulu County.
By size, households in East Honolulu look like those in Honolulu County: 2.85 people on average.
In East Honolulu, 17% of workers work from home, more than in Honolulu County (9%).
Do the math
What would you pay each month for a home in East Honolulu?
A typical home costs more than the typical income allows
We start with a typical home in East Honolulu, worth $1,212,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in East Honolulu, which is $159,518 a year. For that payment to be 28% of income, a household would need to earn about $411,462 a year. Note: at that price the loan is above the FHA limit for Honolulu County ($828,000), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Honolulu County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in East Honolulu. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $42,420 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$9,601
at 7.18% · 30 years
Loan amount
$1,190,048
Total interest
$1,712,199
Paid off in
November 2056
Includes $20,468 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,722 a month
Tight
$3,722 to $4,786 a month
Hard
more than $4,786 a month
Your payment · 72%
Compared with the typical household income in East Honolulu ($159,518 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$8,062
Property tax
$303
Home insurance
$505
FHA mortgage insurance (MIP)
$731
This loan is over the FHA limit
You'd borrow $1,169,580, but the FHA limit for a one-unit home in East Honolulu is $828,000. You'd need a bigger down payment or a different loan.
You need at least $42,420 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $9,601; principal and interest $8,062.
The city and its county
East Honolulu and Honolulu County
East Honolulu is in Honolulu County, Hawaii. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Map of Honolulu County, Hawaii, with East Honolulu marked. Around it, the neighboring counties.
Honolulu County
East Honolulu's own numbers
Typical home value
$1,212,000
Typical monthly rent
$3,313
Typical yearly household income
$159,518
Households that own their home
85%
Effective property tax rate
0.3%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Honolulu County
FHA limit, one-unit home
$828,000
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,542
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
4.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Honolulu County.
A typical home in East Honolulu is worth $1,212,000: 35% above the county and 44% above Hawaii. With the typical household income in East Honolulu ($159,518 a year), a typical home costs 7.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
East Honolulu7.6 years
Honolulu8.5 years
Hawaii8.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Honolulu County
According to FHFA’s house price index, home prices in Honolulu County rose 59% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Honolulu County.
Yearly change in FHFA’s price index in Honolulu County, 2016 to 2025
2016: +7.9% +7.9% 2016
2017: +2.7% +2.7% 2017
2018: +4.2% +4.2% 2018
2019: +1.8% +1.8% 2019
2020: −1.3% −1.3% 2020
2021: +6.0% +6.0% 2021
2022: +16.1% +16.1% 2022
2023: +6.3% +6.3% 2023
2024: +3.2% +3.2% 2024
2025: +1.4% +1.4% 2025
Change in FHFA’s price index in Honolulu County, Hawaii and the United States
Period
County
Hawaii
U.S.
Last year (2025)
+1.4%
+2.9%
+2.9%
5 years (2020–2025)
+37%
+46%
+47%
10 years (2015–2025)
+59%
+73%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
East Honolulu next to Honolulu County, Hawaii and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
East Honolulu$1,212,000
Honolulu$897,500
Hawaii$839,100
United States$332,700
Typical monthly rent
East Honolulu$3,313
Honolulu$2,083
Hawaii$1,971
United States$1,413
Typical yearly household income
East Honolulu$159,518
Honolulu$106,195
Hawaii$100,389
United States$80,734
See the full table
East Honolulu next to Honolulu County and Hawaii
Measure
East Honolulu
Honolulu County
Hawaii
U.S.
Typical home value
$1,212,000 ▲35% above the county
$897,500
$839,100
$332,700
Typical monthly rent
$3,313 ▲59% above the county
$2,083
$1,971
$1,413
Typical yearly household income
$159,518 ▲50% above the county
$106,195
$100,389
$80,734
Households that own their home
85% ▲25 points above the county
60%
63%
65%
Typical yearly property tax
$3,688 ▲44% above the county
$2,553
$2,239
$3,119
Effective property tax rate
0.3% ▲0.02 points above the county
0.28%
0.27%
0.94%
Renters with high rent for their income
59% ▲1 points above the county
58%
57%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Honolulu County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in East Honolulu
For a typical $1,212,000 home in East Honolulu, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Honolulu's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$9,601a month
Above the FHA limit for Honolulu County ($828,000)
Down payment
$42,420
Cash to close
$78,780
Rate
7.18%
Mortgage insurance
FHA MIP · $731
Conventional, 5% down$9,184a month
Least cash to close
Down payment
$60,600
Cash to close
$96,960
Rate
7.18%
Mortgage insurance
PMI · $576
Conventional, 20% down, no PMI$7,376a month
Down payment
$242,400
Cash to close
$278,760
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$8,497a month
Down payment
$181,800
Cash to close
$218,160
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in East Honolulu
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Honolulu County ($828,000)
$9,601
$42,420
$1,190,048
7.18%
FHA MIP · $731
$78,780
580
Conventional, 5% down Least cash to close
$9,184
$60,600
$1,151,400
7.18%
PMI · $576
$96,960
620*
Conventional, 20% down, no PMI
$7,376
$242,400
$969,600
7.18%
None
$278,760
620*
ITIN, 15% down (example)
$8,497
$181,800
$1,030,200
8.18%
None
$218,160
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in East Honolulu is $3,313 a month: 59% above the county. In East Honolulu, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Honolulu County, by unit size. To pay the 2-bedroom one ($2,542 a month) without spending more than 30% of your income, you would need to earn $48.88 an hour working full time.
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 9 HUD-approved agencies with an office in Honolulu County; 2 say they serve in Spanish.
1 program is for East Honolulu or Honolulu County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Hawaii: they work in East Honolulu the same as in the rest of the state.
City and County of Honolulu loan, with federal HOME funds, of up to $40,000 at 0% and with no fees, for the down payment only, repaid over 20 years; for first-time buyers on Oʻahu with incomes up to 80% of the area median who put down at least 5% of the price.Offered by City and County of Honolulu Department of Community Services (DCS).
Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published.Offered by Hawaiʻi Housing Finance & Development Corporation (HHFDC).
The HUD-approved agencies closest to the center of East Honolulu, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for East Honolulu or Honolulu County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for East Honolulu and all of Honolulu County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in East Honolulu?
The typical home value in East Honolulu is $1,212,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Honolulu County it is $897,500.
How much does it cost to rent in East Honolulu?
Typical rent in East Honolulu is $3,313 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Honolulu County is $2,542.
What is the FHA loan limit in East Honolulu?
East Honolulu uses the FHA limit for all of Honolulu County (2026): $828,000 for a one-unit home and $1,592,350 for a four-unit home.
How much property tax do owners pay in East Honolulu?
The typical homeowner in East Honolulu pays $3,688 a year, according to the U.S. Census Bureau. That is 0.3% of the home’s value; in Honolulu County, the rate is 0.28%.
Where can I find free help to buy or rent in East Honolulu?
There are 9 HUD-approved counseling agencies with an office in Honolulu County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
