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City · 21,278 residents · Honolulu County, Hawaii

Mililani Mauka , Hawaii

In Mililani Mauka, a typical home is worth $988,100 and typical rent is $2,350 a month. Compared with all of Honolulu County, typical household income is 31% higher, typical rent is 13% higher, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $988,100

    10% above the county

    18% above Hawaii

    • Mililani Mauka
    • Honolulu
    • Hawaii

  • Typical rent

    $2,350a month

    13% above the county

    19% above Hawaii

    • Mililani Mauka
    • Honolulu
    • Hawaii

  • Typical household income

    $138,942a year

    31% above the county

    38% above Hawaii

    • Mililani Mauka
    • Honolulu
    • Hawaii

  • Households that own their home

    75%

    15 points above the county

    12 points above Hawaii

    • Mililani Mauka
    • Honolulu
    • Hawaii

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

Mililani Mauka 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 Mililani Mauka apart

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

  1. Nearby, in Wahiawa, the typical rent is $1,546: 34% less than in Mililani Mauka ($2,350).

  2. The typical household income in Mililani Mauka is $138,942, 31% more than in Honolulu County as a whole ($106,195).

  3. 75% of households in Mililani Mauka own their home, against 60% in Honolulu County.

  4. Nearby, in Waipio, the typical home value is $749,500: 24% less than in Mililani Mauka ($988,100).

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

The homes here

Housing in Mililani Mauka

What homes there are in Mililani Mauka, 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

The detached house rules in Mililani Mauka: 54% of homes, more than in Honolulu County (45%).

Year built

Here half of the homes date from 1999 or later; in Honolulu County, from 1977 or later.

There is more room for a big family here: 62% 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

$3,289 a month

Honolulu County: $3,111 a month

Without a mortgage

$706 a month

Honolulu County: $783 a month

Owners with a mortgage

78%

Honolulu County: 65%

The typical cost for an owner with a mortgage in Mililani Mauka is $3,289 a month, more than in Honolulu County ($3,111); without one, $706.

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 Mililani Mauka rose 43% since 2015–2019, more than in Honolulu County (32%).

The typical rent in Mililani Mauka stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureMililani MaukaHonolulu 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 4.4%8.9%8.8%3.4%
People per household 2.822.852.852.53
Drive alone 77%63%65%69%
Carpool 10%14%14%9%
Public transit Unreliable estimate5%4%3%
Walk or bike Unreliable estimate6%5%3%
Work from home 10%9%10%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Mililani Mauka, 4.4% of households live with more than one person per room, against 8.9% in Honolulu County.

A household in Mililani Mauka has 2.82 people on average, about the same as in Honolulu County (2.85).

To get to work, 77% of workers in Mililani Mauka drive alone; 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 Mililani Mauka?

A typical home costs more than the typical income allows

We start with a typical home in Mililani Mauka, worth $988,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 67% of the typical household income in Mililani Mauka, which is $138,942 a year. For that payment to be 28% of income, a household would need to earn about $334,745 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 Mililani Mauka. 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 $34,584 (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

$7,811

at 7.18% · 30 years

Loan amount
$970,203
Total interest
$1,395,894
Paid off in
November 2056

Includes $16,687 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,242 a month

  • Tight

    $3,242 to $4,168 a month

  • Hard

    more than $4,168 a month

    Your payment · 67%

Compared with the typical household income in Mililani Mauka ($138,942 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,811
Principal & interest$6,572
Property tax$231
Home insurance$412
FHA mortgage insurance (MIP)$596

This loan is over the FHA limit

You'd borrow $953,516, but the FHA limit for a one-unit home in Mililani Mauka is $828,000. You'd need a bigger down payment or a different loan.

You need at least $34,584 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

Mililani Mauka and Honolulu County

Mililani Mauka 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).

Mililani Mauka's own numbers

Typical home value
$988,100
Typical monthly rent
$2,350
Typical yearly household income
$138,942
Households that own their home
75%
Effective property tax rate
0.28%

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 Mililani Mauka

A typical home in Mililani Mauka is worth $988,100: 10% above the county and 18% above Hawaii. With the typical household income in Mililani Mauka ($138,942 a year), a typical home costs 7.1 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.

  • Mililani Mauka 7.1 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

Mililani Mauka 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
  • Mililani Mauka $988,100
  • Honolulu $897,500
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Mililani Mauka $2,350
  • Honolulu $2,083
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Mililani Mauka $138,942
  • Honolulu $106,195
  • Hawaii $100,389
  • United States $80,734
See the full table
Mililani Mauka next to Honolulu County and Hawaii
Measure Mililani Mauka Honolulu County Hawaii U.S.
Typical home value $988,100 $897,500 $839,100 $332,700
Typical monthly rent $2,350 $2,083 $1,971 $1,413
Typical yearly household income $138,942 $106,195 $100,389 $80,734
Households that own their home 75% 60% 63% 65%
Typical yearly property tax $2,811 $2,553 $2,239 $3,119
Effective property tax rate 0.28% 0.28% 0.27% 0.94%
Renters with high rent for their income 55% 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 Mililani Mauka

For a typical $988,100 home in Mililani Mauka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mililani Mauka's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,811a month

    Above the FHA limit for Honolulu County ($828,000)
    Down payment
    $34,584
    Cash to close
    $64,227
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $596

  • Conventional, 5% down $7,471a month

    Least cash to close
    Down payment
    $49,405
    Cash to close
    $79,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $469

  • Conventional, 20% down, no PMI $5,997a month

    Down payment
    $197,620
    Cash to close
    $227,263
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,911a month

    Down payment
    $148,215
    Cash to close
    $177,858
    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 Mililani Mauka and for Honolulu County.

Property tax

Effective rate in Mililani Mauka

0.28%of the home’s value each year

$2,811 a year for the typical owner in Mililani Mauka.

  • Mililani Mauka 0.28%
  • 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 Mililani Mauka

Typical rent in Mililani Mauka is $2,350 a month: 13% above the county. In Mililani Mauka, 55% 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 Mililani Mauka

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mililani Mauka is in ZIP code 96789.

For 2 bedrooms it is $2,810: $268 more than the fair market rent for Honolulu County ($2,542).

  • 96789 $2,810$3,890

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

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Mililani Mauka

1 program is for Mililani Mauka 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 Mililani Mauka 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 Mililani Mauka

The HUD-approved agencies closest to the center of Mililani Mauka, 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 · 9 miles away

    • Mortgage delinquency and default
    (808) 235-5343

  • Council for Native Hawaiian Advancement

    91-1270 Kinoiki St, Kapolei · 10 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 · 12 miles away

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

Every agency in Honolulu County All counseling agencies in Hawaii

Help in Spanish near Mililani Mauka

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 Mililani Mauka

HUD’s record names them for Mililani Mauka 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 Mililani Mauka, 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 Mililani Mauka.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Mililani Mauka

Short answers with the numbers for Mililani Mauka 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 Mililani Mauka?

The typical home value in Mililani Mauka is $988,100, 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 Mililani Mauka?

Typical rent in Mililani Mauka is $2,350 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 Mililani Mauka?

Mililani Mauka 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 Mililani Mauka?

The typical homeowner in Mililani Mauka pays $2,811 a year, according to the U.S. Census Bureau. That is 0.28% of the home’s value; in Honolulu County, the rate is 0.28%.

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

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).