In Kailua, a typical home is worth $667,400 and typical rent is $1,754 a month. Compared with all of Hawaii County, the typical home value is 29% higher, typical rent is 16% higher, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $1,248,367 to $1,526,023.
Typical rent
$3,753a month
▲ 5.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,922 to $3,753.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kailua 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
What this place has that others do not, from public data, most unusual first.
1
Kailua has the 2nd smallest share of rent-burdened renters of the 57 cities in Hawaii with more than 5,000 people (39%).
2
Nearby, in Kaiminani, the typical rent is $1,202: 31% less than in Kailua ($1,754).
3
Nearby, in Hilo, the typical home value is $483,000: 28% less than in Kailua ($667,400).
4
The typical home in Kailua is worth $667,400,29% more than in Hawaii County as a whole ($519,300).
5
The typical rent in Kailua is $1,754 a month, 16% more than in Hawaii County as a whole ($1,510).
6
67% of households in Kailua own their home, against 74% in Hawaii County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kailua
What homes there are in Kailua, 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
Kailua
Hawaii County
Hawaii
United States
Kind of home: Kailua and its comparisons
Measure
Kailua
Hawaii County
Hawaii
United States
Detached house
45%
77%
54%
61%
Attached house
3%
4%
9%
6%
Building of 2 to 4
9%
5%
6%
8%
Apartments (5 or more)
42%
14%
31%
19%
Mobile home
Unreliable estimate
0%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Kailua are varied: detached houses are the largest group, at 45%, against 77% in Hawaii County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Kailua
Hawaii County
Hawaii
United States
Year built: Kailua and its comparisons
Measure
Kailua
Hawaii County
Hawaii
United States
Before 1960
Unreliable estimate
10%
14%
26%
1960–1979
37%
25%
36%
24%
1980–1999
37%
35%
28%
25%
2000–2009
18%
21%
12%
14%
2010 or later
7%
10%
9%
11%
Homes in Kailua are older: the typical year built is 1985; in Hawaii County, 1989.
In Kailua, 26% of homes have 1 bedroom or none (studios); 38% have 3 bedrooms or more, against 62% in Hawaii County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K19%
$500K–$750K29%
$750K–$1M19%
$1M or more21%
Value of owner-occupied homes: Kailua and its comparisons
Measure
Kailua
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
19%
$500K–$750K
29%
$750K–$1M
19%
$1M or more
21%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49920%
$1,500–$1,99936%
$2,000–$2,49915%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kailua and its comparisons
Measure
Kailua
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
20%
$1,500–$1,999
36%
$2,000–$2,499
15%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,647 a month
Hawaii County: $2,157 a month
Without a mortgage
$852 a month
Hawaii County: $477 a month
Owners with a mortgage
60%
Hawaii County: 54%
Owning costs more in Kailua: with a mortgage, the typical cost is $2,647 a month; in Hawaii County, $2,157. Without one, $852.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
KailuaBoundaries changed
Hawaii County+48%
Hawaii+36%
United States+53%
Typical rent
KailuaBoundaries changed
Hawaii County+28%
Hawaii+22%
United States+33%
Typical household income
KailuaBoundaries changed
Hawaii County+26%
Hawaii+24%
United States+29%
Change since 2015–2019: Kailua and its comparisons
Measure
Kailua
Hawaii County
Hawaii
United States
Typical home value
Boundaries changed
+48%
+36%
+53%
Typical rent
Boundaries changed
+28%
+22%
+33%
Typical household income
Boundaries changed
+26%
+24%
+29%
The Census does not compare Kailua with 2015–2019 because its boundaries changed. In Hawaii County, over that time, the typical home value rose 48%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kailua and its comparisons
Measure
Kailua
Hawaii County
Hawaii
United States
Rental vacancy
18.2%
10.6%
7.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
0.9%
0.9%
More than one person per room
13.8%
8.4%
8.8%
3.4%
People per household
2.83
2.74
2.85
2.53
Drive alone
62%
68%
65%
69%
Carpool
22%
15%
14%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
2%
5%
3%
Work from home
10%
12%
10%
15%
Other means
2%
2%
2%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Kailua is 18.2%, higher than in Hawaii County (10.6%).
More households are short on space in Kailua: 13.8% have more than one person per room; in Hawaii County, 8.4%.
By size, households in Kailua look like those in Hawaii County: 2.83 people on average.
In Kailua, 22% of workers share a car to get to work; in Hawaii County, 15%.
Do the math
What would you pay each month for a home in Kailua?
A typical home costs more than the typical income allows
We start with a typical home in Kailua, worth $667,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 71% of the typical household income in Kailua, which is $88,211 a year. For that payment to be 28% of income, a household would need to earn about $222,929 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.
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 Kailua. 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 $23,359 (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
$5,202
at 7.18% · 30 years
Loan amount
$655,312
Total interest
$942,840
Paid off in
November 2056
Includes $11,271 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,058 a month
Tight
$2,058 to $2,646 a month
Hard
more than $2,646 a month
Your payment · 71%
Compared with the typical household income in Kailua ($88,211 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,439
Property tax
$189
Home insurance
$278
FHA mortgage insurance (MIP)
$295
This loan is over the FHA limit
You'd borrow $644,041, but the FHA limit for a one-unit home in Kailua is $586,500. You'd need a bigger down payment or a different loan.
You need at least $23,359 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 $5,202; principal and interest $4,439.
The city and its county
Kailua and Hawaii County
Kailua 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).
Kailua
Map of Hawaii County, Hawaii, with Kailua marked. Around it, the neighboring counties.
Kailua
Hawaii County
Other cities with a page
Kailua's own numbers
Typical home value
$667,400
Typical monthly rent
$1,754
Typical yearly household income
$88,211
Households that own their home
67%
Effective property tax rate
0.34%
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.
A typical home in Kailua is worth $667,400: 29% above the county and 20% below Hawaii. With the typical household income in Kailua ($88,211 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.
Kailua7.6 years
Hawaii6.6 years
Hawaii8.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Hawaii County, 2016 to 2025
2016: +2.5% +2.5% 2016
2017: +5.5% +5.5% 2017
2018: +5.3% +5.3% 2018
2019: +3.1% +3.1% 2019
2020: +3.3% +3.3% 2020
2021: +10.3% +10.3% 2021
2022: +23.2% +23.2% 2022
2023: +5.7% +5.7% 2023
2024: +3.9% +3.9% 2024
2025: +6.1% +6.1% 2025
Change in FHFA’s price index in Hawaii County, Hawaii and the United States
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
Kailua 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
Kailua$667,400
Hawaii$519,300
Hawaii$839,100
United States$332,700
Typical monthly rent
Kailua$1,754
Hawaii$1,510
Hawaii$1,971
United States$1,413
Typical yearly household income
Kailua$88,211
Hawaii$78,639
Hawaii$100,389
United States$80,734
See the full table
Kailua next to Hawaii County and Hawaii
Measure
Kailua
Hawaii County
Hawaii
U.S.
Typical home value
$667,400 ▲29% above the county
$519,300
$839,100
$332,700
Typical monthly rent
$1,754 ▲16% above the county
$1,510
$1,971
$1,413
Typical yearly household income
$88,211 ▲12% above the county
$78,639
$100,389
$80,734
Households that own their home
67% ▼7 points below the county
74%
63%
65%
Typical yearly property tax
$2,290 ▲57% above the county
$1,459
$2,239
$3,119
Effective property tax rate
0.34% ▲0.06 points above the county
0.28%
0.27%
0.94%
Renters with high rent for their income
39% ▼13 points below the county
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 Kailua
For a typical $667,400 home in Kailua, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kailua's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,202a month
Above the FHA limit for Hawaii County ($586,500)
Down payment
$23,359
Cash to close
$43,381
Rate
7.18%
Mortgage insurance
FHA MIP · $295
Conventional, 5% down$5,079a month
Least cash to close
Down payment
$33,370
Cash to close
$53,392
Rate
7.18%
Mortgage insurance
PMI · $317
Conventional, 20% down, no PMI$4,084a month
Down payment
$133,480
Cash to close
$153,502
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,701a month
Down payment
$100,110
Cash to close
$120,132
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kailua
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Hawaii County ($586,500)
$5,202
$23,359
$655,312
7.18%
FHA MIP · $295
$43,381
580
Conventional, 5% down Least cash to close
$5,079
$33,370
$634,030
7.18%
PMI · $317
$53,392
620*
Conventional, 20% down, no PMI
$4,084
$133,480
$533,920
7.18%
None
$153,502
620*
ITIN, 15% down (example)
$4,701
$100,110
$567,290
8.18%
None
$120,132
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 Kailua is $1,754 a month: 16% above the county. In Kailua, 39% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Hawaii County (Fiscal year 2027)
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 Kailua
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kailua is in ZIP code 96740.
For 2 bedrooms it is $2,440: $359 more than the fair market rent for Hawaii County ($2,081).
Fair market rent by ZIP code and size in Kailua, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96740
$1,880
$1,890
$2,440
$3,070
$3,410
ZIP code2 bd3 bd
96740 $2,440$3,070
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kailua 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Kailua or Hawaii County. The ones below are statewide in Hawaii: they work in Kailua the same as in the rest of the state.
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).
No legal help resource on our list is for Kailua or Hawaii 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 Kailua 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 Kailua?
The typical home value in Kailua is $667,400, 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 Kailua?
Typical rent in Kailua is $1,754 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 Kailua?
Kailua 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 Kailua?
The typical homeowner in Kailua pays $2,290 a year, according to the U.S. Census Bureau. That is 0.34% of the home’s value; in Hawaii County, the rate is 0.28%.
Where can I find free help to buy or rent in Kailua?
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.
