The typical owner-occupied home in Aiea is worth about $1,065,700, 27% above the Hawaii median of $839,100 and 3.2 times the national median of $332,700. Owners pay a median $2,900 a year in property taxes, about 0.27% of their home's value, close to the Hawaii rate of 0.27%. The median household earns $140,308 a year, so the median home costs 7.6 times the median income (8.4 times for Hawaii). 75% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Aiea at a glance
| Aiea | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $1,065,700 | $839,100 | $332,700 |
| Median property tax paid per year | $2,900 | $2,239 | $3,119 |
| Property tax as a share of value | 0.27% | 0.27% | 0.94% |
| Median household income | $140,308 | $100,389 | $80,734 |
| Homes lived in by their owners | 75% | 63% | 65% |
| Owner homes with a mortgage | 56% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $3,304 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 22.4% | 25.7% | 21.0% |
| Median rent | $2,844 | $1,971 | $1,413 |
| Rent as a share of renters' income | 31.3% | 33.2% | 30.6% |
| Median year homes were built | 1967 | 1980 | 1980 |
| Vacant homes | 6.5% | 13.3% | 10.1% |
| Population | 9,087 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Aiea
At this week's average 30-year rate of 7.11%, buying the median Aiea home of $1,065,700 with 20% down costs about $6,419 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,366, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $275,102 for the 20%-down payment. That payment is 55% of the median Aiea household income of $140,308; at that income and 20% down, the 28% guideline points to a home of about $544,000.
The median rent here is $2,844 a month, so owning the median home costs about $3,575 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $213,140 |
|---|---|
| Loan amount | $852,560 |
| Principal and interest | $5,735 |
| Property taxes (0.27% a year) | $240 |
| Homeowners insurance (our estimate, 0.5% a year) | $444 |
| PMI | $0 |
| Total per month | $6,419 |
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| Down payment | $37,300 |
|---|---|
| Loan amount | $1,046,398 |
| Principal and interest | $7,039 |
| Property taxes (0.27% a year) | $240 |
| Homeowners insurance (our estimate, 0.5% a year) | $444 |
| FHA mortgage insurance | $643 |
| Total per month | $8,366 |
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Questions about home buying in Aiea
What is the median home value in Aiea?
About $1,065,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Aiea?
Homeowners pay a median $2,900 a year, which is about 0.27% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Aiea?
For the median home with 20% down at 7.11%, the payment is about $6,419 a month. Keeping that under 28% of gross income takes about $275,102 a year.
More about Aiea
- Mortgage Refinance in Aiea
- Debt Relief in Aiea
- Home Equity Loans in Aiea
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data