Español

Este sitio también está en español. Leer en español

City · 5,150 residents · Hawaii County, Hawaii

Kahaluu-Keauhou , Hawaii

In Kahaluu-Keauhou, a typical home is worth $886,900 and typical rent is $1,901 a month. Compared with all of Hawaii County, the typical home value is 71% higher and typical rent is 26% higher.

WhatsApp

  • Typical home value

    $886,900

    71% above the county

    6% above Hawaii

    • Kahaluu-Keauhou
    • Hawaii
    • Hawaii

  • Typical rent

    $1,901a month

    26% above the county

    4% below Hawaii

    • Kahaluu-Keauhou
    • Hawaii
    • Hawaii

  • Typical household income

    $96,212a year

    22% above the county

    4% below Hawaii

    • Kahaluu-Keauhou
    • Hawaii
    • Hawaii

  • Households that own their home

    79%

    5 points above the county

    16 points above Hawaii

    • Kahaluu-Keauhou
    • Hawaii
    • Hawaii

Source: U.S. Census Bureau, Average 2020–2024

Kahaluu-Keauhou is in Hawaii County. The FHA loan limit ($586,500 for a one-unit home), the fair market rents and the help on this page are those of all of Hawaii County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kahaluu-Keauhou apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Kahaluu-Keauhou is worth $886,900, 71% more than in Hawaii County as a whole ($519,300).

  2. Nearby, in Hilo, the typical home value is $483,000: 46% less than in Kahaluu-Keauhou ($886,900).

  3. Nearby, in Kaiminani, the typical rent is $1,202: 37% less than in Kahaluu-Keauhou ($1,901).

  4. The typical rent in Kahaluu-Keauhou is $1,901 a month, 26% more than in Hawaii County as a whole ($1,510).

  5. The typical household income in Kahaluu-Keauhou is $96,212, 22% more than in Hawaii County as a whole ($78,639).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Kahaluu-Keauhou

What homes there are in Kahaluu-Keauhou, 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

Homes in Kahaluu-Keauhou are varied: detached houses are the largest group, at 45%, against 77% in Hawaii County.

Year built

Homes in Kahaluu-Keauhou are older: the typical year built is 1981; in Hawaii County, 1989.

There are fewer big homes in Kahaluu-Keauhou than in Hawaii County: 50% have 3 bedrooms or more, against 62%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,039 a month

Hawaii County: $2,157 a month

Without a mortgage

$851 a month

Hawaii County: $477 a month

Owners with a mortgage

47%

Hawaii County: 54%

In Kahaluu-Keauhou, 47% of owners have a mortgage, and their typical cost is $3,039 a month, against $2,157 in Hawaii County. Without one it drops to $851.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Kahaluu-Keauhou changed since 2015–2019, so the Census does not compare its figures from then and now. In Hawaii County, the typical home value rose 48%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureKahaluu-KeauhouHawaii CountyHawaiiUnited States
Rental vacancy 55.4%10.6%7.4%5.5%
Homeowner vacancy Unreliable estimate1.4%0.9%0.9%
More than one person per room Unreliable estimate8.4%8.8%3.4%
People per household 2.682.742.852.53
Drive alone 67%68%65%69%
Carpool Unreliable estimate15%14%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%5%3%
Work from home Unreliable estimate12%10%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Kahaluu-Keauhou is 55.4%, higher than in Hawaii County (10.6%).

By size, households in Kahaluu-Keauhou look like those in Hawaii County: 2.68 people on average.

To get to work, 67% of workers in Kahaluu-Keauhou drive alone; in Hawaii County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Kahaluu-Keauhou?

A typical home costs more than the typical income allows

We start with a typical home in Kahaluu-Keauhou, worth $886,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 89% of the typical household income in Kahaluu-Keauhou, which is $96,212 a year. For that payment to be 28% of income, a household would need to earn about $304,895 a year. Note: at that price the loan is above the FHA limit for Hawaii County ($586,500), 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 Hawaii County.

Your numbers

Local data
$

Starts at the typical home value in Kahaluu-Keauhou. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $31,042 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,114

at 7.18% · 30 years

Loan amount
$870,836
Total interest
$1,252,928
Paid off in
November 2056

Includes $14,978 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,245 a month

  • Tight

    $2,245 to $2,886 a month

  • Hard

    more than $2,886 a month

    Your payment · 89%

Compared with the typical household income in Kahaluu-Keauhou ($96,212 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,114
Principal & interest$5,899
Property tax$310
Home insurance$370
FHA mortgage insurance (MIP)$535

This loan is over the FHA limit

You'd borrow $855,858, but the FHA limit for a one-unit home in Kahaluu-Keauhou is $586,500. You'd need a bigger down payment or a different loan.

You need at least $31,042 for the down payment, plus closing costs.

Next step

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.

The city and its county

Kahaluu-Keauhou and Hawaii County

Kahaluu-Keauhou is in Hawaii 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).

Kahaluu-Keauhou's own numbers

Typical home value
$886,900
Typical monthly rent
$1,901
Typical yearly household income
$96,212
Households that own their home
79%
Effective property tax rate
0.42%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hawaii County

FHA limit, one-unit home
$586,500
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,081
Price change over 5 years (FHFA)
+59%

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 Hawaii County.

Everything about Hawaii County

Buying

Buying a home in Kahaluu-Keauhou

A typical home in Kahaluu-Keauhou is worth $886,900: 71% above the county and 6% above Hawaii. With the typical household income in Kahaluu-Keauhou ($96,212 a year), a typical home costs 9.2 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.

  • Kahaluu-Keauhou 9.2 years
  • Hawaii 6.6 years
  • Hawaii 8.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hawaii County

According to FHFA’s house price index, home prices in Hawaii County rose 92% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hawaii County.

Period County Hawaii U.S.
Last year (2025) +6.1% +2.9% +2.9%
5 years (2020–2025) +59% +46% +47%
10 years (2015–2025) +92% +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

Kahaluu-Keauhou next to Hawaii 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
  • Kahaluu-Keauhou $886,900
  • Hawaii $519,300
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Kahaluu-Keauhou $1,901
  • Hawaii $1,510
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Kahaluu-Keauhou $96,212
  • Hawaii $78,639
  • Hawaii $100,389
  • United States $80,734
See the full table
Kahaluu-Keauhou next to Hawaii County and Hawaii
Measure Kahaluu-Keauhou Hawaii County Hawaii U.S.
Typical home value $886,900 $519,300 $839,100 $332,700
Typical monthly rent $1,901 $1,510 $1,971 $1,413
Typical yearly household income $96,212 $78,639 $100,389 $80,734
Households that own their home 79% 74% 63% 65%
Typical yearly property tax $3,750 $1,459 $2,239 $3,119
Effective property tax rate 0.42% 0.28% 0.27% 0.94%
Renters with high rent for their income 59% 52% 57% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hawaii 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 Kahaluu-Keauhou

For a typical $886,900 home in Kahaluu-Keauhou, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kahaluu-Keauhou's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,114a month

    Above the FHA limit for Hawaii County ($586,500)
    Down payment
    $31,042
    Cash to close
    $57,649
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $535

  • Conventional, 5% down $6,809a month

    Least cash to close
    Down payment
    $44,345
    Cash to close
    $70,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $421

  • Conventional, 20% down, no PMI $5,486a month

    Down payment
    $177,380
    Cash to close
    $203,987
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,306a month

    Down payment
    $133,035
    Cash to close
    $159,642
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Kahaluu-Keauhou and for Hawaii County.

Property tax

Effective rate in Kahaluu-Keauhou

0.42%of the home’s value each year

$3,750 a year for the typical owner in Kahaluu-Keauhou.

  • Kahaluu-Keauhou 0.42%
  • Hawaii 0.28%
  • Hawaii 0.27%

What Hawaii publishes Each county runs its own property tax (Hawaii Department of Taxation)

Exemptions and deadlines in Hawaii

Flood risk in Hawaii County

FEMA does not publish these numbers by city: they are for all of Hawaii County.

FEMA’s maps count no homes in the high-risk zone in Hawaii County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kahaluu-Keauhou

Typical rent in Kahaluu-Keauhou is $1,901 a month: 26% above the county. In Kahaluu-Keauhou, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hawaii County, by unit size. To pay the 2-bedroom one ($2,081 a month) without spending more than 30% of your income, you would need to earn $40.02 an hour working full time.

HUD fair market rent for all of Hawaii County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,605 $30.87 $64,200
1 bedroom $1,615 $31.06 $64,600
2 bedrooms $2,081 $40.02 $83,240
3 bedrooms $2,620 $50.38 $104,800
4 bedrooms $2,910 $55.96 $116,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Kahaluu-Keauhou

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kahaluu-Keauhou has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,870 in 96750 to $2,440 in 96740.

1 of the 2 is above the fair market rent for Hawaii County ($2,081).

  • 96740 $2,440$3,070
  • 96750 $1,870$2,360

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kahaluu-Keauhou when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Kahaluu-Keauhou

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 2 HUD-approved agencies with an office in Hawaii County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Kahaluu-Keauhou

No down payment, repair or rent-help program on our list is for Kahaluu-Keauhou or Hawaii County. The ones below are statewide in Hawaii: they work in Kahaluu-Keauhou the same as in the rest of the state.

Which programs do I qualify for? All programs in Hawaii

  • Hale Kamaʻāina Mortgage Program

    Statewide in Hawaii

    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).

    Type not stated

    See the program Official page

Housing counselors near Kahaluu-Keauhou

The HUD-approved agencies closest to the center of Kahaluu-Keauhou, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • LEGAL AID SOCIETY OF HAWAII - Hilo Branch

    101 Aupuni Street, Hilo · 58 miles away

    • Mortgage delinquency and default
    (808) 961-2851

  • Hawaiian Community Assets, Inc. - Hilo Branch

    1315 Kalanianaole St, Hilo · 61 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (808) 934-0801

  • Hale Mahaolu Homeownership/Housing Counseling

    95 Mahalani Street, Suite #28-2A, Wailuku · 97 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (808) 242-7027

Every agency in Hawaii County All counseling agencies in Hawaii

Help in Spanish near Kahaluu-Keauhou

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Kahaluu-Keauhou

HUD’s record names them for Kahaluu-Keauhou or Hawaii County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Hawaii Source: HUD

Cities

Other cities in Hawaii County

These cities are also in Hawaii County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hawaii County Housing in Hawaii

Nearby cities

The cities closest to Kahaluu-Keauhou, with the typical home value.

Neighboring counties

If Hawaii County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Kahaluu-Keauhou.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Kahaluu-Keauhou

Short answers with the numbers for Kahaluu-Keauhou and all of Hawaii 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 Kahaluu-Keauhou?

The typical home value in Kahaluu-Keauhou is $886,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hawaii County it is $519,300.

How much does it cost to rent in Kahaluu-Keauhou?

Typical rent in Kahaluu-Keauhou is $1,901 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hawaii County is $2,081.

What is the FHA loan limit in Kahaluu-Keauhou?

Kahaluu-Keauhou uses the FHA limit for all of Hawaii County (2026): $586,500 for a one-unit home and $1,127,900 for a four-unit home.

How much property tax do owners pay in Kahaluu-Keauhou?

The typical homeowner in Kahaluu-Keauhou pays $3,750 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Hawaii County, the rate is 0.28%.

Where can I find free help to buy or rent in Kahaluu-Keauhou?

There are 2 HUD-approved counseling agencies with an office in Hawaii County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).