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City · 5,699 residents · Honolulu County, Hawaii

Laie , Hawaii

In Laie, a typical home is worth $940,800 and typical rent is $2,339 a month. Compared with all of Honolulu County, typical household income is 18% higher, typical rent is 12% higher, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $940,800

    5% above the county

    12% above Hawaii

    • Laie
    • Honolulu
    • Hawaii

  • Typical rent

    $2,339a month

    12% above the county

    19% above Hawaii

    • Laie
    • Honolulu
    • Hawaii

  • Typical household income

    $125,202a year

    18% above the county

    25% above Hawaii

    • Laie
    • Honolulu
    • Hawaii

  • Households that own their home

    41%

    19 points below the county

    22 points below Hawaii

    • Laie
    • Honolulu
    • Hawaii

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

Market now, with Zillow data

Zillow data
Typical home value
$1,288,082
5.7% more than 12 months ago

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

Laie 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 Laie apart

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

  1. Laie has the lowest homeownership rate of the 54 cities in Hawaii with more than 5,000 people: 41%.

  2. Nearby, in Wahiawa, the typical rent is $1,546: 34% less than in Laie ($2,339).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Laie rose 5.7%; in Hawaii, it rose 1.4%.

  4. Nearby, in Waipio Acres, the typical home value is $753,900: 20% less than in Laie ($940,800).

  5. The typical household income in Laie is $125,202, 18% more than in Honolulu County as a whole ($106,195).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Laie

What homes there are in Laie, 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 Laie there is a bit of everything: no kind of home reaches half. The most common are detached houses (40%); in Honolulu County, 45%.

Year built

The typical year built in Laie is 1976, about the same as in Honolulu County (1977).

Homes in Laie are bigger: 68% have 3 bedrooms or more; in Honolulu County, 54%.

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

$3,702 a month

Honolulu County: $3,111 a month

Owners with a mortgage

87%

Honolulu County: 65%

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 typical home value in Laie rose 24% since 2015–2019, less than in Honolulu County (32%).

Since 2015–2019, the typical rent in Laie rose 31%, more than in Honolulu County (19%).

To compare: typical income in Laie rose 32%; the home, +24%; the rent, +31%.

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

MeasureLaieHonolulu 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 15.6%8.9%8.8%3.4%
People per household 4.242.852.852.53
Drive alone 31%63%65%69%
Carpool 12%14%14%9%
Public transit Unreliable estimate5%4%3%
Walk or bike 42%6%5%3%
Work from home Unreliable estimate9%10%15%
Other means Unreliable estimate3%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Laie: 15.6% have more than one person per room; in Honolulu County, 8.9%.

More people live in each home here: 4.24 on average, against 2.85 in Honolulu County.

More people walk or bike to work in Laie: 42%, against 6% in Honolulu County.

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 Laie?

A typical home costs more than the typical income allows

We start with a typical home in Laie, worth $940,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in Laie, which is $125,202 a year. For that payment to be 28% of income, a household would need to earn about $321,744 a year. Note: at that price the loan is above the FHA limit for Honolulu County ($828,000), 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 Honolulu County.

Your numbers

Local data
$

Starts at the typical home value in Laie. 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 $32,928 (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

$7,507

at 7.18% · 30 years

Loan amount
$923,760
Total interest
$1,329,074
Paid off in
November 2056

Includes $15,888 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,921 a month

  • Tight

    $2,921 to $3,756 a month

  • Hard

    more than $3,756 a month

    Your payment · 72%

Compared with the typical household income in Laie ($125,202 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,507
Principal & interest$6,258
Property tax$290
Home insurance$392
FHA mortgage insurance (MIP)$567

This loan is over the FHA limit

You'd borrow $907,872, but the FHA limit for a one-unit home in Laie is $828,000. You'd need a bigger down payment or a different loan.

You need at least $32,928 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

Laie and Honolulu County

Laie 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).

Laie's own numbers

Typical home value
$940,800
Typical monthly rent
$2,339
Typical yearly household income
$125,202
Households that own their home
41%
Effective property tax rate
0.37%

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 Laie

A typical home in Laie is worth $940,800: 5% above the county and 12% above Hawaii. With the typical household income in Laie ($125,202 a year), a typical home costs 7.5 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.

  • Laie 7.5 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

Laie 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
  • Laie $940,800
  • Honolulu $897,500
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Laie $2,339
  • Honolulu $2,083
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Laie $125,202
  • Honolulu $106,195
  • Hawaii $100,389
  • United States $80,734
See the full table
Laie next to Honolulu County and Hawaii
Measure Laie Honolulu County Hawaii U.S.
Typical home value $940,800 $897,500 $839,100 $332,700
Typical monthly rent $2,339 $2,083 $1,971 $1,413
Typical yearly household income $125,202 $106,195 $100,389 $80,734
Households that own their home 41% 60% 63% 65%
Typical yearly property tax $3,491 $2,553 $2,239 $3,119
Effective property tax rate 0.37% 0.28% 0.27% 0.94%
Renters with high rent for their income 47% 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 Laie

For a typical $940,800 home in Laie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,507a month

    Above the FHA limit for Honolulu County ($828,000)
    Down payment
    $32,928
    Cash to close
    $61,152
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $567

  • Conventional, 5% down $7,184a month

    Least cash to close
    Down payment
    $47,040
    Cash to close
    $75,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $447

  • Conventional, 20% down, no PMI $5,781a month

    Down payment
    $188,160
    Cash to close
    $216,384
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,651a month

    Down payment
    $141,120
    Cash to close
    $169,344
    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 Laie and for Honolulu County.

Property tax

Effective rate in Laie

0.37%of the home’s value each year

$3,491 a year for the typical owner in Laie.

  • Laie 0.37%
  • 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 Laie

Typical rent in Laie is $2,339 a month: 12% above the county. In Laie, 47% 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 Laie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laie is in ZIP code 96762.

For 2 bedrooms it is $3,030: $488 more than the fair market rent for Honolulu County ($2,542).

  • 96762 $3,030$4,200

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

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Laie

1 program is for Laie 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 Laie 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 Laie

The HUD-approved agencies closest to the center of Laie, 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 · 11 miles away

    • Mortgage delinquency and default
    (808) 235-5343

  • LEGAL AID SOCIETY OF HAWAII - Waianae Branch

    85-670 Farrington Hwy Ste A, Waianae · 22 miles away

    • Mortgage delinquency and default
    (808) 696-6322

  • Council for Native Hawaiian Advancement

    91-1270 Kinoiki St, Kapolei · 23 miles away

    Also serves in other languages.

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

Every agency in Honolulu County All counseling agencies in Hawaii

Help in Spanish near Laie

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 Laie

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

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

Questions

Housing questions about Laie

Short answers with the numbers for Laie 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 Laie?

The typical home value in Laie is $940,800, 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 Laie?

Typical rent in Laie is $2,339 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 Laie?

Laie 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 Laie?

The typical homeowner in Laie pays $3,491 a year, according to the U.S. Census Bureau. That is 0.37% of the home’s value; in Honolulu County, the rate is 0.28%.

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

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).