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City · 7,543 residents · Hawaii County, Hawaii

Waikoloa Village , Hawaii

In Waikoloa Village, a typical home is worth $802,600 and typical rent is $2,177 a month. Compared with all of Hawaii County, the typical home value is 55% higher and typical rent is 44% higher.

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  • Typical home value

    $802,600

    55% above the county

    4% below Hawaii

    • Waikoloa Village
    • Hawaii
    • Hawaii

  • Typical rent

    $2,177a month

    44% above the county

    10% above Hawaii

    • Waikoloa Village
    • Hawaii
    • Hawaii

  • Typical household income

    $81,703a year

    4% above the county

    19% below Hawaii

    • Waikoloa Village
    • Hawaii
    • Hawaii

  • Households that own their home

    70%

    4 points below the county

    7 points above Hawaii

    • Waikoloa Village
    • Hawaii
    • Hawaii

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

Waikoloa Village is in Hawaii County. The FHA loan limit ($586,500 for a one-unit home), the fair market rents and the help on this page are those of all of Hawaii County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Waikoloa Village apart

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

  1. The typical home in Waikoloa Village is worth $802,600, 55% more than in Hawaii County as a whole ($519,300).

  2. Nearby, in Kaiminani, the typical rent is $1,202: 45% less than in Waikoloa Village ($2,177).

  3. Nearby, in Hilo, the typical home value is $483,000: 40% less than in Waikoloa Village ($802,600).

  4. The typical rent in Waikoloa Village is $2,177 a month, 44% more than in Hawaii County as a whole ($1,510).

  5. Waikoloa Village has the 4th lowest typical household income of the 58 cities in Hawaii with more than 5,000 people ($81,703).

  6. Waikoloa Village has the 6th largest share of rent-burdened renters of the 57 cities in Hawaii with more than 5,000 people (73%).

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

The homes here

Housing in Waikoloa Village

What homes there are in Waikoloa Village, 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 Waikoloa Village, 6 in 10 homes are single-family detached houses; in Hawaii County, 8.

Year built

The typical year built in Waikoloa Village is 1992, about the same as in Hawaii County (1989).

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

$2,712 a month

Hawaii County: $2,157 a month

Without a mortgage

$625 a month

Hawaii County: $477 a month

Owners with a mortgage

65%

Hawaii County: 54%

In Waikoloa Village, 65% of owners have a mortgage, and their typical cost is $2,712 a month, against $2,157 in Hawaii County. Without one it drops to $625.

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 boundaries of Waikoloa Village changed since 2015–2019, so the Census does not compare its figures from then and now. In Hawaii County, the typical home value rose 48%.

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

MeasureWaikoloa VillageHawaii CountyHawaiiUnited States
Rental vacancy Unreliable estimate10.6%7.4%5.5%
Homeowner vacancy Unreliable estimate1.4%0.9%0.9%
More than one person per room Unreliable estimate8.4%8.8%3.4%
People per household 2.992.742.852.53
Drive alone 74%68%65%69%
Carpool 19%15%14%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 6%12%10%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Waikoloa Village has 2.99 people, more than in Hawaii County (2.74).

In Waikoloa Village, 19% of workers share a car to get to work; in Hawaii County, 15%.

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 Waikoloa Village?

A typical home costs more than the typical income allows

We start with a typical home in Waikoloa Village, worth $802,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 91% of the typical household income in Waikoloa Village, which is $81,703 a year. For that payment to be 28% of income, a household would need to earn about $264,650 a year. Note: at that price the loan is above the FHA limit for Hawaii County ($586,500), 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 Hawaii County.

Your numbers

Local data
$

Starts at the typical home value in Waikoloa Village. 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 $28,091 (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

$6,175

at 7.18% · 30 years

Loan amount
$788,063
Total interest
$1,133,838
Paid off in
November 2056

Includes $13,554 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,906 a month

  • Tight

    $1,906 to $2,451 a month

  • Hard

    more than $2,451 a month

    Your payment · 91%

Compared with the typical household income in Waikoloa Village ($81,703 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,175
Principal & interest$5,339
Property tax$147
Home insurance$334
FHA mortgage insurance (MIP)$355

This loan is over the FHA limit

You'd borrow $774,509, but the FHA limit for a one-unit home in Waikoloa Village is $586,500. You'd need a bigger down payment or a different loan.

You need at least $28,091 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

Waikoloa Village and Hawaii County

Waikoloa Village is in Hawaii 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).

Waikoloa Village's own numbers

Typical home value
$802,600
Typical monthly rent
$2,177
Typical yearly household income
$81,703
Households that own their home
70%
Effective property tax rate
0.22%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hawaii County

FHA limit, one-unit home
$586,500
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,081
Price change over 5 years (FHFA)
+59%

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 Hawaii County.

Everything about Hawaii County

Buying

Buying a home in Waikoloa Village

A typical home in Waikoloa Village is worth $802,600: 55% above the county and 4% below Hawaii. With the typical household income in Waikoloa Village ($81,703 a year), a typical home costs 9.8 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.

  • Waikoloa Village 9.8 years
  • Hawaii 6.6 years
  • Hawaii 8.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hawaii County

According to FHFA’s house price index, home prices in Hawaii County rose 92% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hawaii County.

Period County Hawaii U.S.
Last year (2025) +6.1% +2.9% +2.9%
5 years (2020–2025) +59% +46% +47%
10 years (2015–2025) +92% +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

Waikoloa Village next to Hawaii 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
  • Waikoloa Village $802,600
  • Hawaii $519,300
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Waikoloa Village $2,177
  • Hawaii $1,510
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Waikoloa Village $81,703
  • Hawaii $78,639
  • Hawaii $100,389
  • United States $80,734
See the full table
Waikoloa Village next to Hawaii County and Hawaii
Measure Waikoloa Village Hawaii County Hawaii U.S.
Typical home value $802,600 $519,300 $839,100 $332,700
Typical monthly rent $2,177 $1,510 $1,971 $1,413
Typical yearly household income $81,703 $78,639 $100,389 $80,734
Households that own their home 70% 74% 63% 65%
Typical yearly property tax $1,741 $1,459 $2,239 $3,119
Effective property tax rate 0.22% 0.28% 0.27% 0.94%
Renters with high rent for their income 73% 52% 57% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hawaii 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 Waikoloa Village

For a typical $802,600 home in Waikoloa Village, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Waikoloa Village's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,175a month

    Above the FHA limit for Hawaii County ($586,500)
    Down payment
    $28,091
    Cash to close
    $52,169
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $355

  • Conventional, 5% down $6,028a month

    Least cash to close
    Down payment
    $40,130
    Cash to close
    $64,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $381

  • Conventional, 20% down, no PMI $4,831a month

    Down payment
    $160,520
    Cash to close
    $184,598
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,573a month

    Down payment
    $120,390
    Cash to close
    $144,468
    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 Waikoloa Village and for Hawaii County.

Property tax

Effective rate in Waikoloa Village

0.22%of the home’s value each year

$1,741 a year for the typical owner in Waikoloa Village.

  • Waikoloa Village 0.22%
  • Hawaii 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 Hawaii County

FEMA does not publish these numbers by city: they are for all of Hawaii County.

FEMA’s maps count no homes in the high-risk zone in Hawaii County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Waikoloa Village

Typical rent in Waikoloa Village is $2,177 a month: 44% above the county. In Waikoloa Village, 73% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hawaii County, by unit size. To pay the 2-bedroom one ($2,081 a month) without spending more than 30% of your income, you would need to earn $40.02 an hour working full time.

HUD fair market rent for all of Hawaii 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 $1,605 $30.87 $64,200
1 bedroom $1,615 $31.06 $64,600
2 bedrooms $2,081 $40.02 $83,240
3 bedrooms $2,620 $50.38 $104,800
4 bedrooms $2,910 $55.96 $116,400

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 Waikoloa Village

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Waikoloa Village is in ZIP code 96738.

For 2 bedrooms it is $2,920: $839 more than the fair market rent for Hawaii County ($2,081).

  • 96738 $2,920$3,680

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

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 2 HUD-approved agencies with an office in Hawaii County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Waikoloa Village

No down payment, repair or rent-help program on our list is for Waikoloa Village or Hawaii County. The ones below are statewide in Hawaii: they work in Waikoloa Village the same as in the rest of the state.

Which programs do I qualify for? All programs in Hawaii

  • 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 Waikoloa Village

The HUD-approved agencies closest to the center of Waikoloa Village, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • LEGAL AID SOCIETY OF HAWAII - Hilo Branch

    101 Aupuni Street, Hilo · 50 miles away

    • Mortgage delinquency and default
    (808) 961-2851

  • Hawaiian Community Assets, Inc. - Hilo Branch

    1315 Kalanianaole St, Hilo · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (808) 934-0801

  • Hale Mahaolu Homeownership/Housing Counseling

    95 Mahalani Street, Suite #28-2A, Wailuku · 79 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (808) 242-7027

Every agency in Hawaii County All counseling agencies in Hawaii

Help in Spanish near Waikoloa Village

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 Waikoloa Village

HUD’s record names them for Waikoloa Village or Hawaii County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Hawaii Source: HUD

Cities

Other cities in Hawaii County

These cities are also in Hawaii County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hawaii County Housing in Hawaii

Nearby cities

The cities closest to Waikoloa Village, with the typical home value.

Neighboring counties

If Hawaii 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 Waikoloa Village.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Waikoloa Village

Short answers with the numbers for Waikoloa Village and all of Hawaii 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 Waikoloa Village?

The typical home value in Waikoloa Village is $802,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hawaii County it is $519,300.

How much does it cost to rent in Waikoloa Village?

Typical rent in Waikoloa Village is $2,177 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hawaii County is $2,081.

What is the FHA loan limit in Waikoloa Village?

Waikoloa Village uses the FHA limit for all of Hawaii County (2026): $586,500 for a one-unit home and $1,127,900 for a four-unit home.

How much property tax do owners pay in Waikoloa Village?

The typical homeowner in Waikoloa Village pays $1,741 a year, according to the U.S. Census Bureau. That is 0.22% of the home’s value; in Hawaii County, the rate is 0.28%.

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

There are 2 HUD-approved counseling agencies with an office in Hawaii County. 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).