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City · 22,232 residents · Honolulu County, Hawaii

Kapolei , Hawaii

In Kapolei, a typical home is worth $744,200 and typical rent is $2,311 a month. Compared with all of Honolulu County, typical household income is 21% higher, the typical home value is 17% lower, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $744,200

    17% below the county

    11% below Hawaii

    • Kapolei
    • Honolulu
    • Hawaii

  • Typical rent

    $2,311a month

    11% above the county

    17% above Hawaii

    • Kapolei
    • Honolulu
    • Hawaii

  • Typical household income

    $128,324a year

    21% above the county

    28% above Hawaii

    • Kapolei
    • Honolulu
    • Hawaii

  • Households that own their home

    77%

    17 points above the county

    14 points above Hawaii

    • Kapolei
    • Honolulu
    • Hawaii

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

Market now, with Zillow data

Zillow data
Typical home value
$841,341
1.9% more than 12 months ago
Typical rent
$3,547 a month
4.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Kapolei 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 Kapolei apart

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

  1. Nearby, in Ewa Villages, the typical rent is $1,227: 47% less than in Kapolei ($2,311).

  2. 77% of households in Kapolei own their home, against 60% in Honolulu County.

  3. The typical household income in Kapolei is $128,324, 21% more than in Honolulu County as a whole ($106,195).

  4. The typical home in Kapolei is worth $744,200, 17% less than in Honolulu County as a whole ($897,500).

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

The homes here

Housing in Kapolei

What homes there are in Kapolei, 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 Kapolei, 6 in 10 homes are single-family detached houses; in Honolulu County, 5.

Year built

Here half of the homes date from 2006 or later; in Honolulu County, from 1977 or later.

There is more room for a big family here: 66% of homes have 3 bedrooms or more, against 54% in Honolulu 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

$3,002 a month

Honolulu County: $3,111 a month

Without a mortgage

$572 a month

Honolulu County: $783 a month

Owners with a mortgage

79%

Honolulu County: 65%

The typical cost for an owner with a mortgage in Kapolei is $3,002 a month, near the figure in Honolulu County ($3,111).

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 Kapolei changed since 2015–2019, so the Census does not compare its figures from then and now. 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

MeasureKapoleiHonolulu 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 7.9%8.9%8.8%3.4%
People per household 3.202.852.852.53
Drive alone 70%63%65%69%
Carpool 14%14%14%9%
Public transit 3%5%4%3%
Walk or bike 2%6%5%3%
Work from home 11%9%10%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Kapolei, 7.9% of households live with more than one person per room, about the same as in Honolulu County.

Households in Kapolei are bigger: 3.20 people on average; in Honolulu County, 2.85.

In Kapolei, 70% of workers drive alone to work; in Honolulu County, 63%.

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 Kapolei?

A typical home costs more than the typical income allows

We start with a typical home in Kapolei, worth $744,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Kapolei, which is $128,324 a year. For that payment to be 28% of income, a household would need to earn about $246,190 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 Kapolei. 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 $26,047 (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

$5,744

at 7.18% · 30 years

Loan amount
$730,721
Total interest
$1,051,336
Paid off in
November 2056

Includes $12,568 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,994 a month

  • Tight

    $2,994 to $3,850 a month

  • Hard

    more than $3,850 a month

    Your payment · 54%

Compared with the typical household income in Kapolei ($128,324 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,744
Principal & interest$4,950
Property tax$155
Home insurance$310
FHA mortgage insurance (MIP)$329

You need at least $26,047 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

Kapolei and Honolulu County

Kapolei 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).

Kapolei's own numbers

Typical home value
$744,200
Typical monthly rent
$2,311
Typical yearly household income
$128,324
Households that own their home
77%
Effective property tax rate
0.25%

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 Kapolei

A typical home in Kapolei is worth $744,200: 17% below the county and 11% below Hawaii. With the typical household income in Kapolei ($128,324 a year), a typical home costs 5.8 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.

  • Kapolei 5.8 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

Kapolei 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
  • Kapolei $744,200
  • Honolulu $897,500
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Kapolei $2,311
  • Honolulu $2,083
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Kapolei $128,324
  • Honolulu $106,195
  • Hawaii $100,389
  • United States $80,734
See the full table
Kapolei next to Honolulu County and Hawaii
Measure Kapolei Honolulu County Hawaii U.S.
Typical home value $744,200 $897,500 $839,100 $332,700
Typical monthly rent $2,311 $2,083 $1,971 $1,413
Typical yearly household income $128,324 $106,195 $100,389 $80,734
Households that own their home 77% 60% 63% 65%
Typical yearly property tax $1,889 $2,553 $2,239 $3,119
Effective property tax rate 0.25% 0.28% 0.27% 0.94%
Renters with high rent for their income 60% 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 Kapolei

For a typical $744,200 home in Kapolei, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kapolei's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,744a month

    Least cash to close
    Down payment
    $26,047
    Cash to close
    $48,373
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $329

  • Conventional, 5% down $5,608a month

    Down payment
    $37,210
    Cash to close
    $59,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $353

  • Conventional, 20% down, no PMI $4,498a month

    Down payment
    $148,840
    Cash to close
    $171,166
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,186a month

    Down payment
    $111,630
    Cash to close
    $133,956
    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 Kapolei and for Honolulu County.

Property tax

Effective rate in Kapolei

0.25%of the home’s value each year

$1,889 a year for the typical owner in Kapolei.

  • Kapolei 0.25%
  • 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 Kapolei

Typical rent in Kapolei is $2,311 a month: 11% above the county. In Kapolei, 60% 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 Kapolei

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kapolei is in ZIP code 96707.

For 2 bedrooms it is $3,130: $588 more than the fair market rent for Honolulu County ($2,542).

  • 96707 $3,130$4,330

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

Low-income apartments

Low-income apartments in Kapolei

HUD lists 7 buildings with rents for lower incomes in Kapolei. These are the largest.

  • Palehua Terrace Phase I 92 1118 Palehia Street, Kapolei 96707 84 low-income homes · 2 bd: 76 · 3 bd: 7 · 4 bd: 1 · In service since 2000 · For families
  • The Villas at Aeloa 91 1118 Namahoe ST, Kapolei 96707 72 homes, 71 low-income · 1 bd: 19 · 2 bd: 32 · 3 bd: 20 · In service since 2009 · For families
  • The Villas at Maluohai 91 1025 Kaiau Avenue, Kapolei 96707 71 low-income homes · 2 bd: 55 · 3 bd: 16 · In service since 2011 · For families
  • Palehua Terrace Phase II 92 1088 Palehia Street, Kapolei 96707 64 low-income homes · 2 bd: 56 · 3 bd: 8 · In service since 2005 · For families
  • Senior Residence at Kapolei 91-1034 Namahoe St, Kapolei 96707 60 homes, 59 low-income · For older adults (808) 674-2937

See all 125 buildings in Honolulu County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kapolei

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 Kapolei

1 program is for Kapolei 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 Kapolei 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 Kapolei

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

  • Council for Native Hawaiian Advancement

    91-1270 Kinoiki St, Kapolei · 1 miles away

    Also serves in other languages.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (808) 596-8155

  • Nanakuli Housing Corporation

    91-1041 Midway Rd, Kapolei · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (808) 520-2607

  • LEGAL AID SOCIETY OF HAWAII - Waianae Branch

    85-670 Farrington Hwy Ste A, Waianae · 11 miles away

    • Mortgage delinquency and default
    (808) 696-6322

Every agency in Honolulu County All counseling agencies in Hawaii

Help in Spanish near Kapolei

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 Kapolei

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

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Kapolei

Short answers with the numbers for Kapolei 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 Kapolei?

The typical home value in Kapolei is $744,200, 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 Kapolei?

Typical rent in Kapolei is $2,311 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 Kapolei?

Kapolei 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 Kapolei?

The typical homeowner in Kapolei pays $1,889 a year, according to the U.S. Census Bureau. That is 0.25% of the home’s value; in Honolulu County, the rate is 0.28%.

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

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).