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City · 11,465 residents · Hawaii County, Hawaii

Kaiminani , Hawaii

In Kaiminani, a typical home is worth $772,800 and typical rent is $1,202 a month. Compared with all of Hawaii County, the typical home value is 49% higher and typical household income is 41% higher.

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  • Typical home value

    $772,800

    49% above the county

    8% below Hawaii

    • Kaiminani
    • Hawaii
    • Hawaii

  • Typical rent

    $1,202a month

    20% below the county

    39% below Hawaii

    • Kaiminani
    • Hawaii
    • Hawaii

  • Typical household income

    $110,560a year

    41% above the county

    10% above Hawaii

    • Kaiminani
    • Hawaii
    • Hawaii

  • Households that own their home

    74%

    About the same as the county

    11 points above Hawaii

    • Kaiminani
    • Hawaii
    • Hawaii

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

Kaiminani 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 Kaiminani apart

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

  1. Kaiminani has the lowest typical rent of the 57 cities in Hawaii with more than 5,000 people: $1,202.

  2. The typical home in Kaiminani is worth $772,800, 49% more than in Hawaii County as a whole ($519,300).

  3. Nearby, in Hilo, the typical home value is $483,000: 38% less than in Kaiminani ($772,800).

  4. The typical household income in Kaiminani is $110,560, 41% more than in Hawaii County as a whole ($78,639).

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

The homes here

Housing in Kaiminani

What homes there are in Kaiminani, 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

In Kaiminani, 8 in 10 homes are single-family detached houses, about the same as in Hawaii County.

Year built

The typical home in Kaiminani was built in 1994, 5 years after the typical one in Hawaii County.

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

$2,621 a month

Hawaii County: $2,157 a month

Without a mortgage

$703 a month

Hawaii County: $477 a month

Owners with a mortgage

70%

Hawaii County: 54%

In Kaiminani, 70% of owners have a mortgage, and their typical cost is $2,621 a month, against $2,157 in Hawaii County. Without one it drops to $703.

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

Kaiminani does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, 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

MeasureKaiminaniHawaii CountyHawaiiUnited States
Rental vacancy Unreliable estimate10.6%7.4%5.5%
Homeowner vacancy Unreliable estimate1.4%0.9%0.9%
More than one person per room 8.4%8.4%8.8%3.4%
People per household 2.682.742.852.53
Drive alone 75%68%65%69%
Carpool 8%15%14%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 14%12%10%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Kaiminani, 8.4% of households live with more than one person per room, about the same as in Hawaii County.

A household in Kaiminani has 2.68 people on average, about the same as in Hawaii County (2.74).

To get to work, 75% of workers in Kaiminani 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 Kaiminani?

A typical home costs more than the typical income allows

We start with a typical home in Kaiminani, worth $772,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Kaiminani, which is $110,560 a year. For that payment to be 28% of income, a household would need to earn about $256,479 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 Kaiminani. 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 $27,048 (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

$5,985

at 7.18% · 30 years

Loan amount
$758,803
Total interest
$1,091,739
Paid off in
November 2056

Includes $13,051 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,580 a month

  • Tight

    $2,580 to $3,317 a month

  • Hard

    more than $3,317 a month

    Your payment · 65%

Compared with the typical household income in Kaiminani ($110,560 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,985
Principal & interest$5,140
Property tax$180
Home insurance$322
FHA mortgage insurance (MIP)$342

This loan is over the FHA limit

You'd borrow $745,752, but the FHA limit for a one-unit home in Kaiminani is $586,500. You'd need a bigger down payment or a different loan.

You need at least $27,048 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

Kaiminani and Hawaii County

Kaiminani 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).

Kaiminani's own numbers

Typical home value
$772,800
Typical monthly rent
$1,202
Typical yearly household income
$110,560
Households that own their home
74%
Effective property tax rate
0.28%

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 Kaiminani

A typical home in Kaiminani is worth $772,800: 49% above the county and 8% below Hawaii. With the typical household income in Kaiminani ($110,560 a year), a typical home costs 7.0 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.

  • Kaiminani 7.0 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

Kaiminani 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
  • Kaiminani $772,800
  • Hawaii $519,300
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Kaiminani $1,202
  • Hawaii $1,510
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Kaiminani $110,560
  • Hawaii $78,639
  • Hawaii $100,389
  • United States $80,734
See the full table
Kaiminani next to Hawaii County and Hawaii
Measure Kaiminani Hawaii County Hawaii U.S.
Typical home value $772,800 $519,300 $839,100 $332,700
Typical monthly rent $1,202 $1,510 $1,971 $1,413
Typical yearly household income $110,560 $78,639 $100,389 $80,734
Households that own their home 74% 74% 63% 65%
Typical yearly property tax $2,199 $1,459 $2,239 $3,119
Effective property tax rate 0.28% 0.28% 0.27% 0.94%
Renters with high rent for their income 57% 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 Kaiminani

For a typical $772,800 home in Kaiminani, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kaiminani's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,985a month

    Above the FHA limit for Hawaii County ($586,500)
    Down payment
    $27,048
    Cash to close
    $50,232
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $342

  • Conventional, 5% down $5,843a month

    Least cash to close
    Down payment
    $38,640
    Cash to close
    $61,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $367

  • Conventional, 20% down, no PMI $4,690a month

    Down payment
    $154,560
    Cash to close
    $177,744
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,405a month

    Down payment
    $115,920
    Cash to close
    $139,104
    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 Kaiminani and for Hawaii County.

Property tax

Effective rate in Kaiminani

0.28%of the home’s value each year

$2,199 a year for the typical owner in Kaiminani.

  • Kaiminani 0.28%
  • 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 Kaiminani

Typical rent in Kaiminani is $1,202 a month: 20% below the county. In Kaiminani, 57% 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 Kaiminani

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kaiminani is in ZIP code 96740.

For 2 bedrooms it is $2,440: $359 more than the fair market rent for Hawaii County ($2,081).

  • 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 Kaiminani 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 Kaiminani

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Kaiminani

No down payment, repair or rent-help program on our list is for Kaiminani or Hawaii County. The ones below are statewide in Hawaii: they work in Kaiminani 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 Kaiminani

The HUD-approved agencies closest to the center of Kaiminani, 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 · 60 miles away

    • Mortgage delinquency and default
    (808) 961-2851

  • Hawaiian Community Assets, Inc. - Hilo Branch

    1315 Kalanianaole St, Hilo · 62 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 · 84 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 Kaiminani

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 Kaiminani

HUD’s record names them for Kaiminani 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 Kaiminani, 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 Kaiminani.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Kaiminani

Short answers with the numbers for Kaiminani 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 Kaiminani?

The typical home value in Kaiminani is $772,800, 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 Kaiminani?

Typical rent in Kaiminani is $1,202 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 Kaiminani?

Kaiminani 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 Kaiminani?

The typical homeowner in Kaiminani pays $2,199 a year, according to the U.S. Census Bureau. That is 0.28% of the home’s value; in Hawaii County, the rate is 0.28%.

Where can I find free help to buy or rent in Kaiminani?

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).