In West Loch Estate, a typical home is worth $855,100. Compared with all of Honolulu County, typical household income is 15% higher and the share of households that own their home is 14 points higher.
West Loch Estate 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
73% of households in West Loch Estate own their home, against 60% in Honolulu County.
2
Nearby, in East Kapolei, the typical home value is $697,300: 18% less than in West Loch Estate ($855,100).
3
The typical household income in West Loch Estate is $122,422,15% more than in Honolulu County as a whole ($106,195).
4
West Loch Estate has the 6th smallest share of rent-burdened renters of the 57 cities in Hawaii with more than 5,000 people (44%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West Loch Estate
What homes there are in West Loch Estate, 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
West Loch Estate
Honolulu County
Hawaii
United States
Kind of home: West Loch Estate and its comparisons
Measure
West Loch Estate
Honolulu County
Hawaii
United States
Detached house
74%
45%
54%
61%
Attached house
Unreliable estimate
11%
9%
6%
Building of 2 to 4
Unreliable estimate
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%
Detached houses, standing on their own, make up 74% of homes here, against 45% in Honolulu County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
West Loch Estate
Honolulu County
Hawaii
United States
Year built: West Loch Estate and its comparisons
Measure
West Loch Estate
Honolulu County
Hawaii
United States
Before 1960
Unreliable estimate
16%
14%
26%
1960–1979
Unreliable estimate
41%
36%
24%
1980–1999
89%
24%
28%
25%
2000–2009
Unreliable estimate
10%
12%
14%
2010 or later
Unreliable estimate
9%
9%
11%
The typical home in West Loch Estate was built in 1992, 15 years after the typical one in Honolulu County.
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–$750K18%
$750K–$1M57%
$1M or more17%
Value of owner-occupied homes: West Loch Estate and its comparisons
Measure
West Loch Estate
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable
$300K–$500K
Unreliable estimate
$500K–$750K
18%
$750K–$1M
57%
$1M or more
17%
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: West Loch Estate and its comparisons
Measure
West Loch Estate
Under $500
Unreliable estimate
$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
$2,830 a month
Honolulu County: $3,111 a month
Without a mortgage
$685 a month
Honolulu County: $783 a month
Owners with a mortgage
76%
Honolulu County: 65%
In West Loch Estate, 76% of owners have a mortgage, and their typical cost is $2,830 a month, against $3,111 in Honolulu County. Without one it drops to $685.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West Loch EstateBoundaries changed
Honolulu County+32%
Hawaii+36%
United States+53%
Typical rent
West Loch EstateBoundaries changed
Honolulu County+19%
Hawaii+22%
United States+33%
Typical household income
West Loch EstateBoundaries changed
Honolulu County+24%
Hawaii+24%
United States+29%
Change since 2015–2019: West Loch Estate and its comparisons
Measure
West Loch Estate
Honolulu County
Hawaii
United States
Typical home value
Boundaries changed
+32%
+36%
+53%
Typical rent
Boundaries changed
+19%
+22%
+33%
Typical household income
Boundaries changed
+24%
+24%
+29%
The Census does not compare West Loch Estate with 2015–2019 because its boundaries changed. In Honolulu County, over that time, the typical home value rose 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Loch Estate and its comparisons
Measure
West Loch Estate
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
Unreliable estimate
8.9%
8.8%
3.4%
People per household
3.54
2.85
2.85
2.53
Drive alone
68%
63%
65%
69%
Carpool
16%
14%
14%
9%
Public transit
Unreliable estimate
5%
4%
3%
Walk or bike
Unreliable estimate
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 people live in each home here: 3.54 on average, against 2.85 in Honolulu County.
In West Loch Estate, 68% of workers drive alone to work; in Honolulu County, 63%.
Do the math
What would you pay each month for a home in West Loch Estate?
A typical home costs more than the typical income allows
We start with a typical home in West Loch Estate, worth $855,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in West Loch Estate, which is $122,422 a year. For that payment to be 28% of income, a household would need to earn about $283,182 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 West Loch Estate. 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 $29,929 (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
$6,608
at 7.18% · 30 years
Loan amount
$839,611
Total interest
$1,208,004
Paid off in
November 2056
Includes $14,440 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,857 a month
Tight
$2,857 to $3,673 a month
Hard
more than $3,673 a month
Your payment · 65%
Compared with the typical household income in West Loch Estate ($122,422 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,688
Property tax
$185
Home insurance
$356
FHA mortgage insurance (MIP)
$378
You need at least $29,929 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 $6,608; principal and interest $5,688.
The city and its county
West Loch Estate and Honolulu County
West Loch Estate 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).
West Loch Estate
Map of Honolulu County, Hawaii, with West Loch Estate marked. Around it, the neighboring counties.
West Loch Estate
Honolulu County
Other cities with a page
West Loch Estate's own numbers
Typical home value
$855,100
Typical yearly household income
$122,422
Households that own their home
73%
Effective property tax rate
0.26%
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 West Loch Estate is worth $855,100: 5% below the county and about the same as Hawaii. With the typical household income in West Loch Estate ($122,422 a year), a typical home costs 7.0 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.
West Loch Estate7.0 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
West Loch Estate 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
West Loch Estate$855,100
Honolulu$897,500
Hawaii$839,100
United States$332,700
Typical yearly household income
West Loch Estate$122,422
Honolulu$106,195
Hawaii$100,389
United States$80,734
See the full table
West Loch Estate next to Honolulu County and Hawaii
Measure
West Loch Estate
Honolulu County
Hawaii
U.S.
Typical home value
$855,100 ▼5% below the county
$897,500
$839,100
$332,700
Typical yearly household income
$122,422 ▲15% above the county
$106,195
$100,389
$80,734
Households that own their home
73% ▲14 points above the county
60%
63%
65%
Typical yearly property tax
$2,243 ▼12% below the county
$2,553
$2,239
$3,119
Effective property tax rate
0.26% ▼0.02 points below the county
0.28%
0.27%
0.94%
Renters with high rent for their income
44% ▼14 points below 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 West Loch Estate
For a typical $855,100 home in West Loch Estate, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Loch Estate's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,608a month
Above the FHA limit for Honolulu County ($828,000)
Down payment
$29,929
Cash to close
$55,582
Rate
7.18%
Mortgage insurance
FHA MIP · $378
Conventional, 5% down$6,451a month
Least cash to close
Down payment
$42,755
Cash to close
$68,408
Rate
7.18%
Mortgage insurance
PMI · $406
Conventional, 20% down, no PMI$5,176a month
Down payment
$171,020
Cash to close
$196,673
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,966a month
Down payment
$128,265
Cash to close
$153,918
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Loch Estate
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)
$6,608
$29,929
$839,612
7.18%
FHA MIP · $378
$55,582
580
Conventional, 5% down Least cash to close
$6,451
$42,755
$812,345
7.18%
PMI · $406
$68,408
620*
Conventional, 20% down, no PMI
$5,176
$171,020
$684,080
7.18%
None
$196,673
620*
ITIN, 15% down (example)
$5,966
$128,265
$726,835
8.18%
None
$153,918
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.
The Census Bureau publishes no typical rent for West Loch Estate. Below are the fair market rents for Honolulu County. In West Loch Estate, 44% 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 West Loch Estate
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Loch Estate is in ZIP code 96706.
For 2 bedrooms it is $3,210: $668 more than the fair market rent for Honolulu County ($2,542).
Fair market rent by ZIP code and size in West Loch Estate, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96706
$2,320
$2,460
$3,210
$4,440
$5,370
ZIP code2 bd3 bd
96706 $3,210$4,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West Loch Estate 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 West Loch Estate 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 West Loch Estate 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).
The HUD-approved agencies closest to the center of West Loch Estate, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
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 West Loch Estate
HUD’s record names them for West Loch Estate or Honolulu County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
City and County of HonoluluSection 8 vouchers(808) 768-7096
No legal help resource on our list is for West Loch Estate 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 West Loch Estate 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 West Loch Estate?
The typical home value in West Loch Estate is $855,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Honolulu County it is $897,500.
What is the FHA loan limit in West Loch Estate?
West Loch Estate 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 West Loch Estate?
The typical homeowner in West Loch Estate pays $2,243 a year, according to the U.S. Census Bureau. That is 0.26% of the home’s value; in Honolulu County, the rate is 0.28%.
Where can I find free help to buy or rent in West Loch Estate?
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.
