The typical owner-occupied home in Haleiwa is worth about $1,091,700, 30% above the Hawaii median of $839,100 and 3.3 times the national median of $332,700. Owners pay a median $2,538 a year in property taxes, about 0.23% of their home's value, lower than the Hawaii rate of 0.27%. The median household earns $97,780 a year, so the median home costs 11.2 times the median income (8.4 times for Hawaii). 59% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Haleiwa at a glance
| Haleiwa | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $1,091,700 | $839,100 | $332,700 |
| Median property tax paid per year | $2,538 | $2,239 | $3,119 |
| Property tax as a share of value | 0.23% | 0.27% | 0.94% |
| Median household income | $97,780 | $100,389 | $80,734 |
| Homes lived in by their owners | 59% | 63% | 65% |
| Owner homes with a mortgage | 54% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $2,872 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 27.8% | 25.7% | 21.0% |
| Median rent | $2,018 | $1,971 | $1,413 |
| Rent as a share of renters' income | 36.6% | 33.2% | 30.6% |
| Median year homes were built | 1973 | 1980 | 1980 |
| Vacant homes | 9.8% | 13.3% | 10.1% |
| Population | 4,948 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Haleiwa
At this week's average 30-year rate of 7.11%, buying the median Haleiwa home of $1,091,700 with 20% down costs about $6,539 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,533, 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 $280,254 for the 20%-down payment. That payment is 80% of the median Haleiwa household income of $97,780; at that income and 20% down, the 28% guideline points to a home of about $381,000.
The median rent here is $2,018 a month, so owning the median home costs about $4,521 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $218,340 |
|---|---|
| Loan amount | $873,360 |
| Principal and interest | $5,875 |
| Property taxes (0.23% a year) | $209 |
| Homeowners insurance (our estimate, 0.5% a year) | $455 |
| PMI | $0 |
| Total per month | $6,539 |
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| Down payment | $38,210 |
|---|---|
| Loan amount | $1,071,927 |
| Principal and interest | $7,211 |
| Property taxes (0.23% a year) | $209 |
| Homeowners insurance (our estimate, 0.5% a year) | $455 |
| FHA mortgage insurance | $658 |
| Total per month | $8,533 |
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Questions about home buying in Haleiwa
What is the median home value in Haleiwa?
About $1,091,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Haleiwa?
Homeowners pay a median $2,538 a year, which is about 0.23% 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 Haleiwa?
For the median home with 20% down at 7.11%, the payment is about $6,539 a month. Keeping that under 28% of gross income takes about $280,254 a year.
More about Haleiwa
- Mortgage Refinance in Haleiwa
- Debt Relief in Haleiwa
- Home Equity Loans in Haleiwa
- 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