In Royal Kunia, a typical home is worth $862,400 and typical rent is $2,921 a month. Compared with all of Honolulu County, typical rent is 40% higher, typical household income is 27% higher, and the share of households that own their home is 18 points higher.
Royal Kunia 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
Nearby, in Waipahu, the typical rent is $1,658: 43% less than in Royal Kunia ($2,921).
2
The typical rent in Royal Kunia is $2,921 a month, 40% more than in Honolulu County as a whole ($2,083).
3
78% of households in Royal Kunia own their home, against 60% in Honolulu County.
4
The typical household income in Royal Kunia is $135,361,27% more than in Honolulu County as a whole ($106,195).
5
Nearby, in East Kapolei, the typical home value is $697,300: 19% less than in Royal Kunia ($862,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Royal Kunia
What homes there are in Royal Kunia, 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
Royal Kunia
Honolulu County
Hawaii
United States
Kind of home: Royal Kunia and its comparisons
Measure
Royal Kunia
Honolulu County
Hawaii
United States
Detached house
76%
45%
54%
61%
Attached house
Unreliable estimate
11%
9%
6%
Building of 2 to 4
8%
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
37%
31%
19%
Mobile home
Unreliable estimate
0%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Royal Kunia: 76% of homes, more than in Honolulu County (45%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Royal Kunia
Honolulu County
Hawaii
United States
Year built: Royal Kunia and its comparisons
Measure
Royal Kunia
Honolulu County
Hawaii
United States
Before 1960
Unreliable estimate
16%
14%
26%
1960–1979
11%
41%
36%
24%
1980–1999
70%
24%
28%
25%
2000–2009
17%
10%
12%
14%
2010 or later
Unreliable estimate
9%
9%
11%
Homes in Royal Kunia are newer: the typical year built is 1989; in Honolulu County, 1977.
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–$500KUnreliable
$500K–$750K17%
$750K–$1M52%
$1M or more22%
Value of owner-occupied homes: Royal Kunia and its comparisons
Measure
Royal Kunia
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
17%
$750K–$1M
52%
$1M or more
22%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,99920%
$3,000 or more47%
Monthly rent with utilities: Royal Kunia and its comparisons
Measure
Royal Kunia
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
20%
$3,000 or more
47%
With a mortgage
$2,863 a month
Honolulu County: $3,111 a month
Without a mortgage
$556 a month
Honolulu County: $783 a month
Owners with a mortgage
82%
Honolulu County: 65%
In Royal Kunia, 82% of owners have a mortgage, and their typical cost is $2,863 a month, against $3,111 in Honolulu County. Without one it drops to $556.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Royal Kunia+38%
Honolulu County+32%
Hawaii+36%
United States+53%
Typical rent
Royal Kunia+23%
Honolulu County+19%
Hawaii+22%
United States+33%
Typical household income
Royal Kunia+16%
Honolulu County+24%
Hawaii+24%
United States+29%
Change since 2015–2019: Royal Kunia and its comparisons
Measure
Royal Kunia
Honolulu County
Hawaii
United States
Typical home value
+38%
+32%
+36%
+53%
Typical rent
+23%
+19%
+22%
+33%
Typical household income
+16%
+24%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Royal Kunia rose 38%; in Honolulu County, it rose 32%.
Rents in Royal Kunia rose faster than in Honolulu County: 23% since 2015–2019, against 19%.
Here income did not keep up with housing: it rose 16%, while home values changed +38% and rent +23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Royal Kunia and its comparisons
Measure
Royal Kunia
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
6.7%
8.9%
8.8%
3.4%
People per household
3.28
2.85
2.85
2.53
Drive alone
73%
63%
65%
69%
Carpool
13%
14%
14%
9%
Public transit
5%
5%
4%
3%
Walk or bike
3%
6%
5%
3%
Work from home
6%
9%
10%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 6.7% of households in Royal Kunia live, less than in Honolulu County (8.9%).
More people live in each home here: 3.28 on average, against 2.85 in Honolulu County.
To get to work, 73% of workers in Royal Kunia drive alone; in Honolulu County, 63%.
Do the math
What would you pay each month for a home in Royal Kunia?
A typical home costs more than the typical income allows
We start with a typical home in Royal Kunia, worth $862,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Royal Kunia, which is $135,361 a year. For that payment to be 28% of income, a household would need to earn about $285,908 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 Royal Kunia. 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 $30,184 (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
$6,671
at 7.18% · 30 years
Loan amount
$846,780
Total interest
$1,218,317
Paid off in
November 2056
Includes $14,564 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,158 a month
Tight
$3,158 to $4,061 a month
Hard
more than $4,061 a month
Your payment · 59%
Compared with the typical household income in Royal Kunia ($135,361 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,736
Property tax
$194
Home insurance
$359
FHA mortgage insurance (MIP)
$381
This loan is over the FHA limit
You'd borrow $832,216, but the FHA limit for a one-unit home in Royal Kunia is $828,000. You'd need a bigger down payment or a different loan.
You need at least $30,184 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 $6,671; principal and interest $5,736.
The city and its county
Royal Kunia and Honolulu County
Royal Kunia 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).
Royal Kunia
Map of Honolulu County, Hawaii, with Royal Kunia marked. Around it, the neighboring counties.
Royal Kunia
Honolulu County
Other cities with a page
Royal Kunia's own numbers
Typical home value
$862,400
Typical monthly rent
$2,921
Typical yearly household income
$135,361
Households that own their home
78%
Effective property tax rate
0.27%
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 Royal Kunia is worth $862,400: 4% below the county and 3% above Hawaii. With the typical household income in Royal Kunia ($135,361 a year), a typical home costs 6.4 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.
Royal Kunia6.4 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
Royal Kunia 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
Royal Kunia$862,400
Honolulu$897,500
Hawaii$839,100
United States$332,700
Typical monthly rent
Royal Kunia$2,921
Honolulu$2,083
Hawaii$1,971
United States$1,413
Typical yearly household income
Royal Kunia$135,361
Honolulu$106,195
Hawaii$100,389
United States$80,734
See the full table
Royal Kunia next to Honolulu County and Hawaii
Measure
Royal Kunia
Honolulu County
Hawaii
U.S.
Typical home value
$862,400 ▼4% below the county
$897,500
$839,100
$332,700
Typical monthly rent
$2,921 ▲40% above the county
$2,083
$1,971
$1,413
Typical yearly household income
$135,361 ▲27% above the county
$106,195
$100,389
$80,734
Households that own their home
78% ▲18 points above the county
60%
63%
65%
Typical yearly property tax
$2,345 ▼8% below the county
$2,553
$2,239
$3,119
Effective property tax rate
0.27% ▼0.01 points below the county
0.28%
0.27%
0.94%
Renters with high rent for their income
65% ▲7 points above 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 Royal Kunia
For a typical $862,400 home in Royal Kunia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Royal Kunia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,671a month
Above the FHA limit for Honolulu County ($828,000)
Down payment
$30,184
Cash to close
$56,056
Rate
7.18%
Mortgage insurance
FHA MIP · $381
Conventional, 5% down$6,513a month
Least cash to close
Down payment
$43,120
Cash to close
$68,992
Rate
7.18%
Mortgage insurance
PMI · $410
Conventional, 20% down, no PMI$5,227a month
Down payment
$172,480
Cash to close
$198,352
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,024a month
Down payment
$129,360
Cash to close
$155,232
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Royal Kunia
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)
$6,671
$30,184
$846,780
7.18%
FHA MIP · $381
$56,056
580
Conventional, 5% down Least cash to close
$6,513
$43,120
$819,280
7.18%
PMI · $410
$68,992
620*
Conventional, 20% down, no PMI
$5,227
$172,480
$689,920
7.18%
None
$198,352
620*
ITIN, 15% down (example)
$6,024
$129,360
$733,040
8.18%
None
$155,232
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 Royal Kunia is $2,921 a month: 40% above the county. In Royal Kunia, 65% 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 Royal Kunia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Royal Kunia is in ZIP code 96797.
For 2 bedrooms it is $2,530: $12 less than the fair market rent for Honolulu County ($2,542).
Fair market rent by ZIP code and size in Royal Kunia, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96797
$1,830
$1,940
$2,530
$3,500
$4,230
ZIP code2 bd3 bd
96797 $2,530$3,500
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Royal Kunia 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 Royal Kunia 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 Royal Kunia 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).
No legal help resource on our list is for Royal Kunia 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 Royal Kunia 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 Royal Kunia?
The typical home value in Royal Kunia is $862,400, 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 Royal Kunia?
Typical rent in Royal Kunia is $2,921 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 Royal Kunia?
Royal Kunia 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 Royal Kunia?
The typical homeowner in Royal Kunia pays $2,345 a year, according to the U.S. Census Bureau. That is 0.27% of the home’s value; in Honolulu County, the rate is 0.28%.
Where can I find free help to buy or rent in Royal Kunia?
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.
