In Mililani Town, a typical home is worth $923,900 and typical rent is $2,384 a month. Compared with all of Honolulu County, typical household income is 20% higher, typical rent is 14% higher, and the share of households that own their home is 21 points higher.
Mililani Town 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
What this place has that others do not, from public data, most unusual first.
1
81% of households in Mililani Town own their home, against 60% in Honolulu County.
2
Nearby, in Waikele, the typical home value is $704,700: 24% less than in Mililani Town ($923,900).
3
Nearby, in Waipio Acres, the typical rent is $2,003: 16% less than in Mililani Town ($2,384).
4
The typical household income in Mililani Town is $127,363,20% more than in Honolulu County as a whole ($106,195).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mililani Town
What homes there are in Mililani Town, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Mililani Town
Honolulu County
Hawaii
United States
Kind of home: Mililani Town and its comparisons
Measure
Mililani Town
Honolulu County
Hawaii
United States
Detached house
65%
45%
54%
61%
Attached house
11%
11%
9%
6%
Building of 2 to 4
9%
7%
6%
8%
Apartments (5 or more)
14%
37%
31%
19%
Mobile home
Unreliable estimate
0%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 65% of homes here, against 45% in Honolulu County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Mililani Town
Honolulu County
Hawaii
United States
Year built: Mililani Town and its comparisons
Measure
Mililani Town
Honolulu County
Hawaii
United States
Before 1960
Unreliable estimate
16%
14%
26%
1960–1979
60%
41%
36%
24%
1980–1999
35%
24%
28%
25%
2000–2009
Unreliable estimate
10%
12%
14%
2010 or later
Unreliable estimate
9%
9%
11%
The typical year built in Mililani Town is 1978, about the same as in Honolulu County (1977).
Homes in Mililani Town are bigger: 77% have 3 bedrooms or more; in Honolulu County, 54%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K9%
$500K–$750K15%
$750K–$1M34%
$1M or more40%
Value of owner-occupied homes: Mililani Town and its comparisons
Measure
Mililani Town
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
9%
$500K–$750K
15%
$750K–$1M
34%
$1M or more
40%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49910%
$1,500–$1,99919%
$2,000–$2,49923%
$2,500–$2,99913%
$3,000 or more31%
Monthly rent with utilities: Mililani Town and its comparisons
Measure
Mililani Town
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
10%
$1,500–$1,999
19%
$2,000–$2,499
23%
$2,500–$2,999
13%
$3,000 or more
31%
With a mortgage
$3,027 a month
Honolulu County: $3,111 a month
Without a mortgage
$709 a month
Honolulu County: $783 a month
Owners with a mortgage
68%
Honolulu County: 65%
Owning costs about the same in Mililani Town as in Honolulu County: with a mortgage, $3,027 a month; without one, $709.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mililani Town+44%
Honolulu County+32%
Hawaii+36%
United States+53%
Typical rent
Mililani Town+24%
Honolulu County+19%
Hawaii+22%
United States+33%
Typical household income
Mililani Town+28%
Honolulu County+24%
Hawaii+24%
United States+29%
Change since 2015–2019: Mililani Town and its comparisons
Measure
Mililani Town
Honolulu County
Hawaii
United States
Typical home value
+44%
+32%
+36%
+53%
Typical rent
+24%
+19%
+22%
+33%
Typical household income
+28%
+24%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Mililani Town rose 44%; in Honolulu County, it rose 32%.
The typical rent in Mililani Town rose 24% over the same time; in Honolulu County, it rose 19%.
While home values in Mililani Town changed +44% and rent +24%, the typical household income rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mililani Town and its comparisons
Measure
Mililani Town
Honolulu County
Hawaii
United States
Rental vacancy
Unreliable estimate
5.6%
7.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.9%
0.9%
More than one person per room
4.2%
8.9%
8.8%
3.4%
People per household
2.85
2.85
2.85
2.53
Drive alone
78%
63%
65%
69%
Carpool
12%
14%
14%
9%
Public transit
1%
5%
4%
3%
Walk or bike
1%
6%
5%
3%
Work from home
8%
9%
10%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Mililani Town, 4.2% of households live with more than one person per room, against 8.9% in Honolulu County.
A household in Mililani Town has 2.85 people on average, about the same as in Honolulu County (2.85).
To get to work, 78% of workers in Mililani Town drive alone; in Honolulu County, 63%.
Do the math
What would you pay each month for a home in Mililani Town?
A typical home costs more than the typical income allows
We start with a typical home in Mililani Town, worth $923,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Mililani Town, which is $127,363 a year. For that payment to be 28% of income, a household would need to earn about $312,995 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.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Mililani Town. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $32,337 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$7,303
at 7.18% · 30 years
Loan amount
$907,165
Total interest
$1,305,198
Paid off in
November 2056
Includes $15,602 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,972 a month
Tight
$2,972 to $3,821 a month
Hard
more than $3,821 a month
Your payment · 69%
Compared with the typical household income in Mililani Town ($127,363 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,145
Property tax
$216
Home insurance
$385
FHA mortgage insurance (MIP)
$557
This loan is over the FHA limit
You'd borrow $891,563, but the FHA limit for a one-unit home in Mililani Town is $828,000. You'd need a bigger down payment or a different loan.
You need at least $32,337 for the down payment, plus closing costs.
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.
Total monthly payment $7,303; principal and interest $6,145.
The city and its county
Mililani Town and Honolulu County
Mililani Town 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 Town
Map of Honolulu County, Hawaii, with Mililani Town marked. Around it, the neighboring counties.
Mililani Town
Honolulu County
Other cities with a page
Mililani Town's own numbers
Typical home value
$923,900
Typical monthly rent
$2,384
Typical yearly household income
$127,363
Households that own their home
81%
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.
A typical home in Mililani Town is worth $923,900: 3% above the county and 10% above Hawaii. With the typical household income in Mililani Town ($127,363 a year), a typical home costs 7.3 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 Town7.3 years
Honolulu8.5 years
Hawaii8.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Honolulu County, 2016 to 2025
2016: +7.9% +7.9% 2016
2017: +2.7% +2.7% 2017
2018: +4.2% +4.2% 2018
2019: +1.8% +1.8% 2019
2020: −1.3% −1.3% 2020
2021: +6.0% +6.0% 2021
2022: +16.1% +16.1% 2022
2023: +6.3% +6.3% 2023
2024: +3.2% +3.2% 2024
2025: +1.4% +1.4% 2025
Change in FHFA’s price index in Honolulu County, Hawaii and the United States
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 Town 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 Town$923,900
Honolulu$897,500
Hawaii$839,100
United States$332,700
Typical monthly rent
Mililani Town$2,384
Honolulu$2,083
Hawaii$1,971
United States$1,413
Typical yearly household income
Mililani Town$127,363
Honolulu$106,195
Hawaii$100,389
United States$80,734
See the full table
Mililani Town next to Honolulu County and Hawaii
Measure
Mililani Town
Honolulu County
Hawaii
U.S.
Typical home value
$923,900 ▲3% above the county
$897,500
$839,100
$332,700
Typical monthly rent
$2,384 ▲14% above the county
$2,083
$1,971
$1,413
Typical yearly household income
$127,363 ▲20% above the county
$106,195
$100,389
$80,734
Households that own their home
81% ▲21 points above the county
60%
63%
65%
Typical yearly property tax
$2,570
$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
54% ▼4 points below the county
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 Town
For a typical $923,900 home in Mililani Town, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mililani Town's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,303a month
Above the FHA limit for Honolulu County ($828,000)
Down payment
$32,337
Cash to close
$60,054
Rate
7.18%
Mortgage insurance
FHA MIP · $557
Conventional, 5% down$6,985a month
Least cash to close
Down payment
$46,195
Cash to close
$73,912
Rate
7.18%
Mortgage insurance
PMI · $439
Conventional, 20% down, no PMI$5,608a month
Down payment
$184,780
Cash to close
$212,497
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,462a month
Down payment
$138,585
Cash to close
$166,302
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mililani Town
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Honolulu County ($828,000)
$7,303
$32,337
$907,166
7.18%
FHA MIP · $557
$60,054
580
Conventional, 5% down Least cash to close
$6,985
$46,195
$877,705
7.18%
PMI · $439
$73,912
620*
Conventional, 20% down, no PMI
$5,608
$184,780
$739,120
7.18%
None
$212,497
620*
ITIN, 15% down (example)
$6,462
$138,585
$785,315
8.18%
None
$166,302
Set by the lender
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.
Typical rent in Mililani Town is $2,384 a month: 14% above the county. In Mililani Town, 54% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Honolulu County (Fiscal year 2027)
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 Town
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mililani Town is in ZIP code 96789.
For 2 bedrooms it is $2,810: $268 more than the fair market rent for Honolulu County ($2,542).
Fair market rent by ZIP code and size in Mililani Town, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96789
$2,030
$2,160
$2,810
$3,890
$4,700
ZIP code2 bd3 bd
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 Town 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
1 program is for Mililani Town 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 Town the same as in the rest of the state.
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).
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).
The HUD-approved agencies closest to the center of Mililani Town, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Mililani Town or Honolulu County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Mililani Town 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 Town?
The typical home value in Mililani Town is $923,900, 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 Town?
Typical rent in Mililani Town is $2,384 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 Town?
Mililani Town 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 Town?
The typical homeowner in Mililani Town pays $2,570 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 Town?
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.
