The typical owner-occupied home in Laie is worth about $940,800, 12% above the Hawaii median of $839,100 and 2.8 times the national median of $332,700. Owners pay a median $3,491 a year in property taxes, about 0.37% of their home's value, higher than the Hawaii rate of 0.27%. The median household earns $125,202 a year, so the median home costs 7.5 times the median income (8.4 times for Hawaii). 41% of occupied homes here are lived in by their owners, and 87% of those owners still have a mortgage.
Laie at a glance
| Laie | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $940,800 | $839,100 | $332,700 |
| Median property tax paid per year | $3,491 | $2,239 | $3,119 |
| Property tax as a share of value | 0.37% | 0.27% | 0.94% |
| Median household income | $125,202 | $100,389 | $80,734 |
| Homes lived in by their owners | 41% | 63% | 65% |
| Owner homes with a mortgage | 87% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $3,702 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 29.1% | 25.7% | 21.0% |
| Median rent | $2,339 | $1,971 | $1,413 |
| Rent as a share of renters' income | 29.0% | 33.2% | 30.6% |
| Median year homes were built | 1976 | 1980 | 1980 |
| Vacant homes | 22.3% | 13.3% | 10.1% |
| Population | 5,699 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Laie
At this week's average 30-year rate of 7.11%, buying the median Laie home of $940,800 with 20% down costs about $5,745 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,464, 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 $246,220 for the 20%-down payment. That payment is 55% of the median Laie household income of $125,202; at that income and 20% down, the 28% guideline points to a home of about $478,000.
The median rent here is $2,339 a month, so owning the median home costs about $3,406 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $188,160 |
|---|---|
| Loan amount | $752,640 |
| Principal and interest | $5,063 |
| Property taxes (0.37% a year) | $290 |
| Homeowners insurance (our estimate, 0.5% a year) | $392 |
| PMI | $0 |
| Total per month | $5,745 |
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| Down payment | $32,928 |
|---|---|
| Loan amount | $923,760 |
| Principal and interest | $6,214 |
| Property taxes (0.37% a year) | $290 |
| Homeowners insurance (our estimate, 0.5% a year) | $392 |
| FHA mortgage insurance | $567 |
| Total per month | $7,464 |
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Questions about home buying in Laie
What is the median home value in Laie?
About $940,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Laie?
Homeowners pay a median $3,491 a year, which is about 0.37% 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 Laie?
For the median home with 20% down at 7.11%, the payment is about $5,745 a month. Keeping that under 28% of gross income takes about $246,220 a year.
More about Laie
- Mortgage Refinance in Laie
- Debt Relief in Laie
- Home Equity Loans in Laie
- 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