In Waianae, a typical home is worth $518,300 and typical rent is $1,277 a month. Compared with all of Honolulu County, the typical home value is 42% lower, typical rent is 39% lower, and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $522,301 to $577,782.
Typical rent
$2,185a month
Typical rent from Zillow, June 2023 to September 2026: from $1,841 to $2,185.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Waianae 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
Waianae has the 3rd lowest typical rent of the 57 cities in Hawaii with more than 5,000 people ($1,277).
2
The typical home in Waianae is worth $518,300,42% less than in Honolulu County as a whole ($897,500).
3
Nearby, in Makaha, the typical home value is $394,000: 24% less than in Waianae ($518,300).
4
The typical household income in Waianae is $81,733,23% less than in Honolulu County as a whole ($106,195).
5
67% of households in Waianae own their home, against 60% in Honolulu County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Waianae
What homes there are in Waianae, 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
Waianae
Honolulu County
Hawaii
United States
Kind of home: Waianae and its comparisons
Measure
Waianae
Honolulu County
Hawaii
United States
Detached house
64%
45%
54%
61%
Attached house
6%
11%
9%
6%
Building of 2 to 4
10%
7%
6%
8%
Apartments (5 or more)
19%
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 64% of homes here, against 45% in Honolulu County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Waianae
Honolulu County
Hawaii
United States
Year built: Waianae and its comparisons
Measure
Waianae
Honolulu County
Hawaii
United States
Before 1960
7%
16%
14%
26%
1960–1979
46%
41%
36%
24%
1980–1999
27%
24%
28%
25%
2000–2009
10%
10%
12%
14%
2010 or later
10%
9%
9%
11%
By age, homes in Waianae look like those in Honolulu County: the typical year built is 1979.
In Waianae, 74% of homes have 3 bedrooms or more, more than 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–$300K10%
$300K–$500K20%
$500K–$750K38%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Waianae and its comparisons
Measure
Waianae
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
10%
$300K–$500K
20%
$500K–$750K
38%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49936%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Waianae and its comparisons
Measure
Waianae
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
36%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,888 a month
Honolulu County: $3,111 a month
Without a mortgage
$495 a month
Honolulu County: $783 a month
Owners with a mortgage
67%
Honolulu County: 65%
Owning costs less in Waianae: with a mortgage, the typical cost is $1,888 a month; in Honolulu County, $3,111. Without one, $495.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Waianae+38%
Honolulu County+32%
Hawaii+36%
United States+53%
Typical rent
Waianae+28%
Honolulu County+19%
Hawaii+22%
United States+33%
Typical household income
Waianae+32%
Honolulu County+24%
Hawaii+24%
United States+29%
Change since 2015–2019: Waianae and its comparisons
Measure
Waianae
Honolulu County
Hawaii
United States
Typical home value
+38%
+32%
+36%
+53%
Typical rent
+28%
+19%
+22%
+33%
Typical household income
+32%
+24%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Waianae rose 38%; in Honolulu County, it rose 32%.
Since 2015–2019, the typical rent in Waianae rose 28%, more than in Honolulu County (19%).
The typical household income in Waianae rose 32% over that time; home values changed +38% and rent +28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Waianae and its comparisons
Measure
Waianae
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
13.9%
8.9%
8.8%
3.4%
People per household
3.58
2.85
2.85
2.53
Drive alone
64%
63%
65%
69%
Carpool
16%
14%
14%
9%
Public transit
11%
5%
4%
3%
Walk or bike
Unreliable estimate
6%
5%
3%
Work from home
4%
9%
10%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
40 to 59 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 13.9% of households in Waianae live, more than in Honolulu County (8.9%).
On average, a household in Waianae has 3.58 people, more than in Honolulu County (2.85).
In Waianae, 11% of workers get to work by public transit; in Honolulu County, 5%.
Do the math
What would you pay each month for a home in Waianae?
A typical home costs more than the typical income allows
We start with a typical home in Waianae, worth $518,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Waianae, which is $81,733 a year. For that payment to be 28% of income, a household would need to earn about $170,534 a year.
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 Waianae. 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 $18,141 (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
$3,979
at 7.18% · 30 years
Loan amount
$508,912
Total interest
$732,205
Paid off in
November 2056
Includes $8,753 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,907 a month
Tight
$1,907 to $2,452 a month
Hard
more than $2,452 a month
Your payment · 58%
Compared with the typical household income in Waianae ($81,733 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,448
Property tax
$86
Home insurance
$216
FHA mortgage insurance (MIP)
$229
You need at least $18,141 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 $3,979; principal and interest $3,448.
The city and its county
Waianae and Honolulu County
Waianae 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).
Waianae
Map of Honolulu County, Hawaii, with Waianae marked. Around it, the neighboring counties.
Waianae
Honolulu County
Other cities with a page
Waianae's own numbers
Typical home value
$518,300
Typical monthly rent
$1,277
Typical yearly household income
$81,733
Households that own their home
67%
Effective property tax rate
0.2%
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 Waianae is worth $518,300: 42% below the county and 38% below Hawaii. With the typical household income in Waianae ($81,733 a year), a typical home costs 6.3 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.
Waianae6.3 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
Waianae 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
Waianae$518,300
Honolulu$897,500
Hawaii$839,100
United States$332,700
Typical monthly rent
Waianae$1,277
Honolulu$2,083
Hawaii$1,971
United States$1,413
Typical yearly household income
Waianae$81,733
Honolulu$106,195
Hawaii$100,389
United States$80,734
See the full table
Waianae next to Honolulu County and Hawaii
Measure
Waianae
Honolulu County
Hawaii
U.S.
Typical home value
$518,300 ▼42% below the county
$897,500
$839,100
$332,700
Typical monthly rent
$1,277 ▼39% below the county
$2,083
$1,971
$1,413
Typical yearly household income
$81,733 ▼23% below the county
$106,195
$100,389
$80,734
Households that own their home
67% ▲7 points above the county
60%
63%
65%
Typical yearly property tax
$1,030 ▼60% below the county
$2,553
$2,239
$3,119
Effective property tax rate
0.2% ▼0.08 points below the county
0.28%
0.27%
0.94%
Renters with high rent for their income
67% ▲9 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 Waianae
For a typical $518,300 home in Waianae, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Waianae's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,979a month
Least cash to close
Down payment
$18,141
Cash to close
$33,690
Rate
7.18%
Mortgage insurance
FHA MIP · $229
Conventional, 5% down$3,884a month
Down payment
$25,915
Cash to close
$41,464
Rate
7.18%
Mortgage insurance
PMI · $246
Conventional, 20% down, no PMI$3,111a month
Down payment
$103,660
Cash to close
$119,209
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,590a month
Down payment
$77,745
Cash to close
$93,294
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Waianae
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,979
$18,141
$508,912
7.18%
FHA MIP · $229
$33,690
580
Conventional, 5% down
$3,884
$25,915
$492,385
7.18%
PMI · $246
$41,464
620*
Conventional, 20% down, no PMI
$3,111
$103,660
$414,640
7.18%
None
$119,209
620*
ITIN, 15% down (example)
$3,590
$77,745
$440,555
8.18%
None
$93,294
Set by the lender
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.
Typical rent in Waianae is $1,277 a month: 39% below the county. In Waianae, 67% 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 Waianae
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Waianae is in ZIP code 96792.
For 2 bedrooms it is $2,260: $282 less than the fair market rent for Honolulu County ($2,542).
Fair market rent by ZIP code and size in Waianae, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96792
$1,630
$1,730
$2,260
$3,130
$3,780
ZIP code2 bd3 bd
96792 $2,260$3,130
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Waianae 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)
HUD lists 6 buildings with rents for lower incomes in Waianae. These are the largest.
Waimaha/Sunflower85-965 Mill St, Waianae 96792260 homes, 259 low-income · Run by Hawaii Public Housing Authority · Average payment: $568 a month · Average wait: 16 months(808) 832-4694
Hale Wai Vista II86 086 Farrington Highway, Waianae 96792132 low-income homes · 2 bd: 99 · 3 bd: 33 · In service since 2011 · For families
Hale Wai Vista I86 084 Farrington Highway, Waianae 9679283 low-income homes · 2 bd: 63 · 3 bd: 20 · In service since 2010 · For families
Hale Makana O Nanakuli89 201 Lepeka Avenue, Waianae 9679247 low-income homes · 1 bd: 15 · 2 bd: 8 · 3 bd: 24 · In service since 2013 · For families
Harry & Jeanette Weinberg Nanaikeola Senior Apts87-122 Nanaikeola St, Waianae 9679240 homes, 39 low-income · For older adults(808) 668-4702
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 Waianae 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 Waianae 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 Waianae 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 Waianae 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 Waianae?
The typical home value in Waianae is $518,300, 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 Waianae?
Typical rent in Waianae is $1,277 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 Waianae?
Waianae 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 Waianae?
The typical homeowner in Waianae pays $1,030 a year, according to the U.S. Census Bureau. That is 0.2% of the home’s value; in Honolulu County, the rate is 0.28%.
Where can I find free help to buy or rent in Waianae?
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.
