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City · 6,054 residents · Honolulu County, Hawaii

Waimanalo , Hawaii

In Waimanalo, a typical home is worth $799,200 and typical rent is $1,764 a month. Compared with all of Honolulu County, typical rent is 15% lower, the typical home value is 11% lower, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $799,200

    11% below the county

    5% below Hawaii

    • Waimanalo
    • Honolulu
    • Hawaii

  • Typical rent

    $1,764a month

    15% below the county

    11% below Hawaii

    • Waimanalo
    • Honolulu
    • Hawaii

  • Typical household income

    $116,581a year

    10% above the county

    16% above Hawaii

    • Waimanalo
    • Honolulu
    • Hawaii

  • Households that own their home

    74%

    14 points above the county

    11 points above Hawaii

    • Waimanalo
    • Honolulu
    • Hawaii

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

Market now, with Zillow data

Zillow data
Typical home value
$1,090,064
3.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Waimanalo 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Waimanalo apart

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

  1. Nearby, in Kaneohe Base, the typical home value is $352,000: 56% less than in Waimanalo ($799,200).

  2. 74% of households in Waimanalo own their home, against 60% in Honolulu County.

  3. The typical rent in Waimanalo is $1,764 a month, 15% less than in Honolulu County as a whole ($2,083).

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

The homes here

Housing in Waimanalo

What homes there are in Waimanalo, 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 Waimanalo, 6 in 10 homes are single-family detached houses; in Honolulu County, 5.

Year built

In Waimanalo, half of the homes were built before 1977; in Honolulu County, before 1977.

There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 54% in Honolulu County.

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

$3,638 a month

Honolulu County: $3,111 a month

Without a mortgage

$850 a month

Honolulu County: $783 a month

Owners with a mortgage

68%

Honolulu County: 65%

Owning costs more in Waimanalo: with a mortgage, the typical cost is $3,638 a month; in Honolulu County, $3,111. Without one, $850.

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

Much as in Honolulu County, the typical home value in Waimanalo rose 32% since 2015–2019.

The typical rent in Waimanalo rose 37% over the same time; in Honolulu County, it rose 19%.

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

MeasureWaimanaloHonolulu CountyHawaiiUnited States
Rental vacancy Unreliable estimate5.6%7.4%5.5%
Homeowner vacancy Unreliable estimate0.9%0.9%0.9%
More than one person per room 18.9%8.9%8.8%3.4%
People per household 4.122.852.852.53
Drive alone 71%63%65%69%
Carpool 12%14%14%9%
Public transit Unreliable estimate5%4%3%
Walk or bike Unreliable estimate6%5%3%
Work from home 10%9%10%15%
Other means Unreliable estimate3%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Waimanalo: 18.9% have more than one person per room; in Honolulu County, 8.9%.

Households in Waimanalo are bigger: 4.12 people on average; in Honolulu County, 2.85.

To get to work, 71% of workers in Waimanalo drive alone; in Honolulu County, 63%.

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 Waimanalo?

A typical home costs more than the typical income allows

We start with a typical home in Waimanalo, worth $799,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Waimanalo, which is $116,581 a year. For that payment to be 28% of income, a household would need to earn about $266,097 a year.

The calculator's FHA and conventional loan limits are those of all of Honolulu County.

Your numbers

Local data
$

Starts at the typical home value in Waimanalo. 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 $27,972 (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

$6,209

at 7.18% · 30 years

Loan amount
$784,724
Total interest
$1,129,034
Paid off in
November 2056

Includes $13,496 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,720 a month

  • Tight

    $2,720 to $3,497 a month

  • Hard

    more than $3,497 a month

    Your payment · 64%

Compared with the typical household income in Waimanalo ($116,581 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,209
Principal & interest$5,316
Property tax$207
Home insurance$333
FHA mortgage insurance (MIP)$353

You need at least $27,972 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

Waimanalo and Honolulu County

Waimanalo 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).

Waimanalo's own numbers

Typical home value
$799,200
Typical monthly rent
$1,764
Typical yearly household income
$116,581
Households that own their home
74%
Effective property tax rate
0.31%

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.

Everything about Honolulu County

Buying

Buying a home in Waimanalo

A typical home in Waimanalo is worth $799,200: 11% below the county and 5% below Hawaii. With the typical household income in Waimanalo ($116,581 a year), a typical home costs 6.9 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.

  • Waimanalo 6.9 years
  • Honolulu 8.5 years
  • Hawaii 8.4 years
  • United States 4.1 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.

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

Waimanalo 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
  • Waimanalo $799,200
  • Honolulu $897,500
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Waimanalo $1,764
  • Honolulu $2,083
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Waimanalo $116,581
  • Honolulu $106,195
  • Hawaii $100,389
  • United States $80,734
See the full table
Waimanalo next to Honolulu County and Hawaii
Measure Waimanalo Honolulu County Hawaii U.S.
Typical home value $799,200 $897,500 $839,100 $332,700
Typical monthly rent $1,764 $2,083 $1,971 $1,413
Typical yearly household income $116,581 $106,195 $100,389 $80,734
Households that own their home 74% 60% 63% 65%
Typical yearly property tax $2,493 $2,553 $2,239 $3,119
Effective property tax rate 0.31% 0.28% 0.27% 0.94%
Renters with high rent for their income 48% 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 Waimanalo

For a typical $799,200 home in Waimanalo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Waimanalo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,209a month

    Least cash to close
    Down payment
    $27,972
    Cash to close
    $51,948
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $353

  • Conventional, 5% down $6,062a month

    Down payment
    $39,960
    Cash to close
    $63,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $380

  • Conventional, 20% down, no PMI $4,871a month

    Down payment
    $159,840
    Cash to close
    $183,816
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,610a month

    Down payment
    $119,880
    Cash to close
    $143,856
    Rate
    8.18%
    Mortgage insurance
    None

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.

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 Waimanalo and for Honolulu County.

Property tax

Effective rate in Waimanalo

0.31%of the home’s value each year

$2,493 a year for the typical owner in Waimanalo.

  • Waimanalo 0.31%
  • Honolulu 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 Honolulu County

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

Homes in the high-risk zone
4.9%
8,317
Of those, with NFIP insurance
54%
County Hawaii U.S.
Homes in the high-risk zone 4.9% 2.7% 3.5%
Of those, with NFIP insurance 54% 88% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Waimanalo

Typical rent in Waimanalo is $1,764 a month: 15% below the county. In Waimanalo, 48% 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.

HUD fair market rent for all of Honolulu 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 $1,836 $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 Waimanalo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Waimanalo is in ZIP code 96795.

For 2 bedrooms it is $2,110: $432 less than the fair market rent for Honolulu County ($2,542).

  • 96795 $2,110$2,920

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

Low-income apartments

Low-income apartments in Waimanalo

HUD lists 2 buildings with rents for lower incomes in Waimanalo. These are the largest.

  • Kulanakauhale Maluhia O Na Kupuna 41 209 Ilauhole Street, Waimanalo 96795 86 homes, 85 low-income · 1 bd: 85 · In service since 2002 · For older adults
  • Waimanalo Apts 41 545 Hihimanu Street, Waimanalo 96795 80 homes, 79 low-income · 1 bd: 36 · 2 bd: 32 · 3 bd: 9 · 4 bd: 2 · In service since 2000 · For families

See all 125 buildings in Honolulu County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Waimanalo

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.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Waimanalo

1 program is for Waimanalo 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 Waimanalo the same as in the rest of the state.

Which programs do I qualify for? All programs in Hawaii

  • Down Payment Loan Program

    For Honolulu County

    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).

    Repayable

    See the program Official page

  • 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 Waimanalo

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

  • Hawaiian Community Assets, Inc

    310 Paoakalani Ave, Honolulu · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (808) 587-7886

  • NSC (naca Counseling Subsidiary) - Honolulu, HI

    1516 S King St, Honolulu · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (310) 412-2600

  • Hawaii Homeownership Center

    1259 Aala St Ste 201, Honolulu · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (808) 523-9500

Every agency in Honolulu County All counseling agencies in Hawaii

Help in Spanish near Waimanalo

1 of the 3 agencies on this list says it serves 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 Waimanalo

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

2 other authorities have an office in Honolulu County: see the list Source: HUD

Cities

Other cities in Honolulu County

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

Everything about Honolulu County Housing in Hawaii
See 24 more cities in Honolulu County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Waimanalo, with the typical home value.

Neighboring counties

If Honolulu 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 Waimanalo.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Waimanalo

Short answers with the numbers for Waimanalo 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 Waimanalo?

The typical home value in Waimanalo is $799,200, 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 Waimanalo?

Typical rent in Waimanalo is $1,764 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 Waimanalo?

Waimanalo 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 Waimanalo?

The typical homeowner in Waimanalo pays $2,493 a year, according to the U.S. Census Bureau. That is 0.31% of the home’s value; in Honolulu County, the rate is 0.28%.

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

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.

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).