In Wailua Homesteads, a typical home is worth $943,400 and typical rent is $1,990 a month. Compared with all of Kauai County, typical household income is 8% lower and the typical home value is 8% higher.
Wailua Homesteads is in Kauai County. The FHA loan limit ($1,110,900 for a one-unit home), the fair market rents and the help on this page are those of all of Kauai County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Makaha, the typical home value is $394,000: 58% less than in Wailua Homesteads ($943,400).
2
Nearby, in Waianae, the typical rent is $1,277: 36% less than in Wailua Homesteads ($1,990).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wailua Homesteads
What homes there are in Wailua Homesteads, 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
Wailua Homesteads
Kauai County
Hawaii
United States
Kind of home: Wailua Homesteads and its comparisons
Measure
Wailua Homesteads
Kauai County
Hawaii
United States
Detached house
89%
69%
54%
61%
Attached house
Unreliable estimate
6%
9%
6%
Building of 2 to 4
Unreliable estimate
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
17%
31%
19%
Mobile home
Unreliable estimate
Unreliable estimate
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 89% of homes here, against 69% in Kauai County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Wailua Homesteads
Kauai County
Hawaii
United States
Year built: Wailua Homesteads and its comparisons
Measure
Wailua Homesteads
Kauai County
Hawaii
United States
Before 1960
Unreliable estimate
13%
14%
26%
1960–1979
40%
30%
36%
24%
1980–1999
36%
37%
28%
25%
2000–2009
Unreliable estimate
13%
12%
14%
2010 or later
Unreliable estimate
7%
9%
11%
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–$750K21%
$750K–$1M37%
$1M or more42%
Value of owner-occupied homes: Wailua Homesteads and its comparisons
Measure
Wailua Homesteads
Under $100K
Unreliable
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable
$300K–$500K
Unreliable
$500K–$750K
21%
$750K–$1M
37%
$1M or more
42%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wailua Homesteads and its comparisons
Measure
Wailua Homesteads
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
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,079 a month
Kauai County: $2,772 a month
Without a mortgage
$710 a month
Kauai County: $623 a month
Owners with a mortgage
67%
Kauai County: 63%
Owning costs more in Wailua Homesteads: with a mortgage, the typical cost is $3,079 a month; in Kauai County, $2,772. Without one, $710.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wailua Homesteads+53%
Kauai County+53%
Hawaii+36%
United States+53%
Typical rent
Wailua HomesteadsNo clear change
Kauai County+36%
Hawaii+22%
United States+33%
Typical household income
Wailua HomesteadsNo clear change
Kauai County+17%
Hawaii+24%
United States+29%
Change since 2015–2019: Wailua Homesteads and its comparisons
Measure
Wailua Homesteads
Kauai County
Hawaii
United States
Typical home value
+53%
+53%
+36%
+53%
Typical rent
No clear change
+36%
+22%
+33%
Typical household income
No clear change
+17%
+24%
+29%
Much as in Kauai County, the typical home value in Wailua Homesteads rose 53% since 2015–2019.
The typical rent in Wailua Homesteads stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wailua Homesteads and its comparisons
Measure
Wailua Homesteads
Kauai County
Hawaii
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
6.7%
8.8%
3.4%
People per household
2.73
3.09
2.85
2.53
Drive alone
64%
72%
65%
69%
Carpool
18%
14%
14%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
17%
9%
10%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Wailua Homesteads are smaller: 2.73 people on average; in Kauai County, 3.09.
Working from home is more common in Wailua Homesteads: 17%, against 9% in Kauai County.
Do the math
What would you pay each month for a home in Wailua Homesteads?
A typical home costs more than the typical income allows
We start with a typical home in Wailua Homesteads, worth $943,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 99% of the typical household income in Wailua Homesteads, which is $89,717 a year. For that payment to be 28% of income, a household would need to earn about $317,917 a year.
The calculator's FHA and conventional loan limits are those of all of Kauai 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 Wailua Homesteads. 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 $33,019 (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
$7,418
at 7.18% · 30 years
Loan amount
$926,313
Total interest
$1,332,747
Paid off in
November 2056
Includes $15,932 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,093 a month
Tight
$2,093 to $2,692 a month
Hard
more than $2,692 a month
Your payment · 99%
Compared with the typical household income in Wailua Homesteads ($89,717 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$6,275
Property tax
$181
Home insurance
$393
FHA mortgage insurance (MIP)
$569
You need at least $33,019 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 $7,418; principal and interest $6,275.
The city and its county
Wailua Homesteads and Kauai County
Wailua Homesteads is in Kauai 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).
Map of Kauai County, Hawaii, with Wailua Homesteads marked. Around it, the neighboring counties.
Kauai County
Wailua Homesteads's own numbers
Typical home value
$943,400
Typical monthly rent
$1,990
Typical yearly household income
$89,717
Households that own their home
72%
Effective property tax rate
0.23%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kauai County
FHA limit, one-unit home
$1,110,900
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,105
Price change over 5 years (FHFA)
+52%
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 Kauai County.
A typical home in Wailua Homesteads is worth $943,400: 8% above the county and 12% above Hawaii. With the typical household income in Wailua Homesteads ($89,717 a year), a typical home costs 10.5 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.
Wailua Homesteads10.5 years
Kauai8.9 years
Hawaii8.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kauai County
According to FHFA’s house price index, home prices in Kauai County rose 94% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kauai County.
Yearly change in FHFA’s price index in Kauai County, 2016 to 2025
2016: +6.2% +6.2% 2016
2017: +3.8% +3.8% 2017
2018: +6.5% +6.5% 2018
2019: +5.9% +5.9% 2019
2020: +2.8% +2.8% 2020
2021: +10.7% +10.7% 2021
2022: +17.8% +17.8% 2022
2023: +8.3% +8.3% 2023
2024: +8.6% +8.6% 2024
2025: −0.8% −0.8% 2025
Change in FHFA’s price index in Kauai County, Hawaii and the United States
Period
County
Hawaii
U.S.
Last year (2025)
−0.8%
+2.9%
+2.9%
5 years (2020–2025)
+52%
+46%
+47%
10 years (2015–2025)
+94%
+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
Wailua Homesteads next to Kauai 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
Wailua Homesteads$943,400
Kauai$873,200
Hawaii$839,100
United States$332,700
Typical monthly rent
Wailua Homesteads$1,990
Kauai$1,870
Hawaii$1,971
United States$1,413
Typical yearly household income
Wailua Homesteads$89,717
Kauai$97,668
Hawaii$100,389
United States$80,734
See the full table
Wailua Homesteads next to Kauai County and Hawaii
Measure
Wailua Homesteads
Kauai County
Hawaii
U.S.
Typical home value
$943,400 ▲8% above the county
$873,200
$839,100
$332,700
Typical monthly rent
$1,990 ▲6% above the county
$1,870
$1,971
$1,413
Typical yearly household income
$89,717 ▼8% below the county
$97,668
$100,389
$80,734
Households that own their home
72% ▲3 points above the county
69%
63%
65%
Typical yearly property tax
$2,142 ▲15% above the county
$1,866
$2,239
$3,119
Effective property tax rate
0.23% ▲0.02 points above the county
0.21%
0.27%
0.94%
Renters with high rent for their income
55% ▲3 points above the county
52%
57%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kauai 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 Wailua Homesteads
For a typical $943,400 home in Wailua Homesteads, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wailua Homesteads's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,418a month
Least cash to close
Down payment
$33,019
Cash to close
$61,321
Rate
7.18%
Mortgage insurance
FHA MIP · $569
Conventional, 5% down$7,093a month
Down payment
$47,170
Cash to close
$75,472
Rate
7.18%
Mortgage insurance
PMI · $448
Conventional, 20% down, no PMI$5,687a month
Down payment
$188,680
Cash to close
$216,982
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,559a month
Down payment
$141,510
Cash to close
$169,812
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wailua Homesteads
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$7,418
$33,019
$926,313
7.18%
FHA MIP · $569
$61,321
580
Conventional, 5% down
$7,093
$47,170
$896,230
7.18%
PMI · $448
$75,472
620*
Conventional, 20% down, no PMI
$5,687
$188,680
$754,720
7.18%
None
$216,982
620*
ITIN, 15% down (example)
$6,559
$141,510
$801,890
8.18%
None
$169,812
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 Wailua Homesteads is $1,990 a month: 6% above the county. In Wailua Homesteads, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kauai County, by unit size. To pay the 2-bedroom one ($2,105 a month) without spending more than 30% of your income, you would need to earn $40.48 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 Kauai County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,599
$30.75
$63,960
1 bedroom
$1,609
$30.94
$64,360
2 bedrooms
$2,105
$40.48
$84,200
3 bedrooms
$2,588
$49.77
$103,520
4 bedrooms
$2,952
$56.77
$118,080
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 Wailua Homesteads
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wailua Homesteads is in ZIP code 96746.
For 2 bedrooms it is $2,260: $155 more than the fair market rent for Kauai County ($2,105).
Fair market rent by ZIP code and size in Wailua Homesteads, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96746
$1,710
$1,720
$2,260
$2,780
$3,140
ZIP code2 bd3 bd
96746 $2,260$2,780
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wailua Homesteads 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 is 1 HUD-approved agency with an office in Kauai County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Wailua Homesteads or Kauai County. The ones below are statewide in Hawaii: they work in Wailua Homesteads the same as in the rest of the state.
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 Wailua Homesteads, 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 Wailua Homesteads or Kauai 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 Wailua Homesteads and all of Kauai 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 Wailua Homesteads?
The typical home value in Wailua Homesteads is $943,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kauai County it is $873,200.
How much does it cost to rent in Wailua Homesteads?
Typical rent in Wailua Homesteads is $1,990 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kauai County is $2,105.
What is the FHA loan limit in Wailua Homesteads?
Wailua Homesteads uses the FHA limit for all of Kauai County (2026): $1,110,900 for a one-unit home and $2,136,400 for a four-unit home.
How much property tax do owners pay in Wailua Homesteads?
The typical homeowner in Wailua Homesteads pays $2,142 a year, according to the U.S. Census Bureau. That is 0.23% of the home’s value; in Kauai County, the rate is 0.21%.
Where can I find free help to buy or rent in Wailua Homesteads?
There is 1 HUD-approved counseling agency with an office in Kauai County. They can help you get ready to buy, with your credit, or with rent.
