Español

Este sitio también está en español. Leer en español

City · 10,919 residents · Honolulu County, Hawaii

Kaneohe Base , Hawaii

In Kaneohe Base, a typical home is worth $352,000 and typical rent is $3,410 a month. Compared with all of Honolulu County, typical rent is 64% higher and the typical home value is 61% lower.

WhatsApp

  • Typical home value

    $352,000

    61% below the county

    58% below Hawaii

    • Kaneohe Base
    • Honolulu
    • Hawaii

  • Typical rent

    $3,410a month

    64% above the county

    73% above Hawaii

    • Kaneohe Base
    • Honolulu
    • Hawaii

  • Typical household income

    $69,418a year

    35% below the county

    31% below Hawaii

    • Kaneohe Base
    • Honolulu
    • Hawaii

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

Kaneohe Base 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Kaneohe Base apart

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

  1. Kaneohe Base has the lowest typical home value of the 55 cities in Hawaii with more than 5,000 people: $352,000.

  2. Kaneohe Base has the largest share of rent-burdened renters of the 57 cities in Hawaii with more than 5,000 people: 83%.

  3. The typical rent in Kaneohe Base is $3,410 a month, 64% more than in Honolulu County as a whole ($2,083).

  4. Kaneohe Base has the 2nd lowest typical household income of the 58 cities in Hawaii with more than 5,000 people ($69,418).

  5. Nearby, in Kaneohe, the typical rent is $2,269: 33% less than in Kaneohe Base ($3,410).

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

The homes here

Housing in Kaneohe Base

What homes there are in Kaneohe Base, 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 here are varied: attached houses (townhouses) are 61% of them, more than in Honolulu County (11%), and no kind reaches half.

Year built

Here half of the homes date from 2005 or later; in Honolulu County, from 1977 or later.

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

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

Kaneohe Base does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Honolulu County the typical home value rose 32%.

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

MeasureKaneohe BaseHonolulu CountyHawaiiUnited States
Rental vacancy Unreliable estimate5.6%7.4%5.5%
Homeowner vacancy Unreliable estimate0.9%0.9%0.9%
More than one person per room Unreliable estimate8.9%8.8%3.4%
People per household 3.042.852.852.53
Drive alone 55%63%65%69%
Carpool 12%14%14%9%
Public transit Unreliable estimate5%4%3%
Walk or bike 23%6%5%3%
Work from home Unreliable estimate9%10%15%
Other means 4%3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.04 on average, against 2.85 in Honolulu County.

In Kaneohe Base, 23% of workers walk or bike to work; in Honolulu County, 6%.

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 Kaneohe Base?

A typical home costs more than the typical income allows

We start with a typical home in Kaneohe Base, worth $352,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Kaneohe Base, which is $69,418 a year. For that payment to be 28% of income, a household would need to earn about $115,817 a year.

The calculator's FHA and conventional loan limits are those of all of Honolulu County.

Your numbers

Local data
$

Starts at the typical home value in Kaneohe Base. 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 $12,320 (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

$2,702

at 7.18% · 30 years

Loan amount
$345,624
Total interest
$497,272
Paid off in
November 2056

Includes $5,944 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,620 a month

  • Tight

    $1,620 to $2,083 a month

  • Hard

    more than $2,083 a month

    Your payment · 47%

Compared with the typical household income in Kaneohe Base ($69,418 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,702
Principal & interest$2,341
Property tax$59
Home insurance$147
FHA mortgage insurance (MIP)$156

You need at least $12,320 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

Kaneohe Base and Honolulu County

Kaneohe Base 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).

Kaneohe Base's own numbers

Typical home value
$352,000
Typical monthly rent
$3,410
Typical yearly household income
$69,418
Effective property tax rate
0.2%

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.

Everything about Honolulu County

Buying

Buying a home in Kaneohe Base

A typical home in Kaneohe Base is worth $352,000: 61% below the county and 58% below Hawaii. With the typical household income in Kaneohe Base ($69,418 a year), a typical home costs 5.1 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.

  • Kaneohe Base 5.1 years
  • Honolulu 8.5 years
  • Hawaii 8.4 years
  • United States 4.1 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.

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

Kaneohe Base 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
  • Kaneohe Base $352,000
  • Honolulu $897,500
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Kaneohe Base $3,410
  • Honolulu $2,083
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Kaneohe Base $69,418
  • Honolulu $106,195
  • Hawaii $100,389
  • United States $80,734
See the full table
Kaneohe Base next to Honolulu County and Hawaii
Measure Kaneohe Base Honolulu County Hawaii U.S.
Typical home value $352,000 $897,500 $839,100 $332,700
Typical monthly rent $3,410 $2,083 $1,971 $1,413
Typical yearly household income $69,418 $106,195 $100,389 $80,734
Typical yearly property tax $712 $2,553 $2,239 $3,119
Effective property tax rate 0.2% 0.28% 0.27% 0.94%
Renters with high rent for their income 83% 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 Kaneohe Base

For a typical $352,000 home in Kaneohe Base, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kaneohe Base's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,702a month

    Least cash to close
    Down payment
    $12,320
    Cash to close
    $22,880
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $156

  • Conventional, 5% down $2,638a month

    Down payment
    $17,600
    Cash to close
    $28,160
    Rate
    7.18%
    Mortgage insurance
    PMI · $167

  • Conventional, 20% down, no PMI $2,113a month

    Down payment
    $70,400
    Cash to close
    $80,960
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,438a month

    Down payment
    $52,800
    Cash to close
    $63,360
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% 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 Kaneohe Base and for Honolulu County.

Property tax

Effective rate in Kaneohe Base

0.2%of the home’s value each year

$712 a year for the typical owner in Kaneohe Base.

  • Kaneohe Base 0.2%
  • Honolulu 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 Honolulu County

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

Homes in the high-risk zone
4.9%
8,317
Of those, with NFIP insurance
54%
County Hawaii U.S.
Homes in the high-risk zone 4.9% 2.7% 3.5%
Of those, with NFIP insurance 54% 88% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kaneohe Base

Typical rent in Kaneohe Base is $3,410 a month: 64% above the county. In Kaneohe Base, 83% 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.

HUD fair market rent for all of Honolulu 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 $1,836 $35.31 $73,440
1 bedroom $1,951 $37.52 $78,040
2 bedrooms $2,542 $48.88 $101,680
3 bedrooms $3,520 $67.69 $140,800
4 bedrooms $4,249 $81.71 $169,960

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 Kaneohe Base

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

For 2 bedrooms it is $3,660 in all of them.

2 of the 2 are above the fair market rent for Honolulu County ($2,542).

  • 96734 $3,660$5,070
  • 96863 $3,660$5,070

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kaneohe Base 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 Kaneohe Base

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.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Kaneohe Base

1 program is for Kaneohe Base 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 Kaneohe Base the same as in the rest of the state.

Which programs do I qualify for? All programs in Hawaii

  • Down Payment Loan Program

    For Honolulu County

    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).

    Repayable

    See the program Official page

  • 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 Kaneohe Base

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

  • LEGAL AID SOCIETY OF HAWAII - Kaneohe Branch

    45-955 Kamehameha Hwy., Kaneohe · 8 miles away

    • Mortgage delinquency and default
    (808) 235-5343

  • Hawaii Homeownership Center

    1259 Aala St Ste 201, Honolulu · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (808) 523-9500

  • NSC (naca Counseling Subsidiary) - Honolulu, HI

    1516 S King St, Honolulu · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (310) 412-2600

Every agency in Honolulu County All counseling agencies in Hawaii

Help in Spanish near Kaneohe Base

1 of the 3 agencies on this list says it serves 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 Kaneohe Base

HUD’s record names them for Kaneohe Base or Honolulu County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Honolulu County: see the list Source: HUD

Cities

Other cities in Honolulu County

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

Everything about Honolulu County Housing in Hawaii
See 24 more cities in Honolulu County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Kaneohe Base, with the typical home value.

Neighboring counties

If Honolulu 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 Kaneohe Base.

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

Questions

Housing questions about Kaneohe Base

Short answers with the numbers for Kaneohe Base 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 Kaneohe Base?

The typical home value in Kaneohe Base is $352,000, 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 Kaneohe Base?

Typical rent in Kaneohe Base is $3,410 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 Kaneohe Base?

Kaneohe Base 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 Kaneohe Base?

The typical homeowner in Kaneohe Base pays $712 a year, according to the U.S. Census Bureau. That is 0.2% of the home’s value; in Honolulu County, the rate is 0.28%.

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

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.

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).