The typical owner-occupied home in Ewa Beach is worth about $748,800, 11% below the Hawaii median of $839,100 and 2.3 times the national median of $332,700. Owners pay a median $2,161 a year in property taxes, about 0.29% of their home's value, higher than the Hawaii rate of 0.27%. The median household earns $124,323 a year, so the median home costs 6.0 times the median income (8.4 times for Hawaii). 73% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Ewa Beach at a glance
| Ewa Beach | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $748,800 | $839,100 | $332,700 |
| Median property tax paid per year | $2,161 | $2,239 | $3,119 |
| Property tax as a share of value | 0.29% | 0.27% | 0.94% |
| Median household income | $124,323 | $100,389 | $80,734 |
| Homes lived in by their owners | 73% | 63% | 65% |
| Owner homes with a mortgage | 67% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $3,019 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 25.7% | 21.0% |
| Median rent | $2,522 | $1,971 | $1,413 |
| Rent as a share of renters' income | 33.7% | 33.2% | 30.6% |
| Median year homes were built | 1969 | 1980 | 1980 |
| Vacant homes | 9.2% | 13.3% | 10.1% |
| Population | 14,376 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Ewa Beach
At this week's average 30-year rate of 7.11%, buying the median Ewa Beach home of $748,800 with 20% down costs about $4,523 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,770, 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 $193,832 for the 20%-down payment. That payment is 44% of the median Ewa Beach household income of $124,323; at that income and 20% down, the 28% guideline points to a home of about $480,000.
The median rent here is $2,522 a month, so owning the median home costs about $2,001 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $149,760 |
|---|---|
| Loan amount | $599,040 |
| Principal and interest | $4,030 |
| Property taxes (0.29% a year) | $181 |
| Homeowners insurance (our estimate, 0.5% a year) | $312 |
| PMI | $0 |
| Total per month | $4,523 |
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| Down payment | $26,208 |
|---|---|
| Loan amount | $735,237 |
| Principal and interest | $4,946 |
| Property taxes (0.29% a year) | $181 |
| Homeowners insurance (our estimate, 0.5% a year) | $312 |
| FHA mortgage insurance | $331 |
| Total per month | $5,770 |
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Questions about home buying in Ewa Beach
What is the median home value in Ewa Beach?
About $748,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ewa Beach?
Homeowners pay a median $2,161 a year, which is about 0.29% 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 Ewa Beach?
For the median home with 20% down at 7.11%, the payment is about $4,523 a month. Keeping that under 28% of gross income takes about $193,832 a year.
More about Ewa Beach
- Mortgage Refinance in Ewa Beach
- Debt Relief in Ewa Beach
- Home Equity Loans in Ewa Beach
- 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