The typical owner-occupied home in Waialua is worth about $997,200, 19% above the Hawaii median of $839,100 and 3.0 times the national median of $332,700. Owners pay a median $3,291 a year in property taxes, about 0.33% of their home's value, higher than the Hawaii rate of 0.27%. The median household earns $88,269 a year, so the median home costs 11.3 times the median income (8.4 times for Hawaii). 64% of occupied homes here are lived in by their owners, and 69% of those owners still have a mortgage.
Waialua at a glance
| Waialua | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $997,200 | $839,100 | $332,700 |
| Median property tax paid per year | $3,291 | $2,239 | $3,119 |
| Property tax as a share of value | 0.33% | 0.27% | 0.94% |
| Median household income | $88,269 | $100,389 | $80,734 |
| Homes lived in by their owners | 64% | 63% | 65% |
| Owner homes with a mortgage | 69% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $3,107 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 27.6% | 25.7% | 21.0% |
| Median rent | $1,678 | $1,971 | $1,413 |
| Rent as a share of renters' income | 32.2% | 33.2% | 30.6% |
| Median year homes were built | 1965 | 1980 | 1980 |
| Vacant homes | 12.9% | 13.3% | 10.1% |
| Population | 3,050 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Waialua
At this week's average 30-year rate of 7.11%, buying the median Waialua home of $997,200 with 20% down costs about $6,056 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,878, 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 $259,556 for the 20%-down payment. That payment is 82% of the median Waialua household income of $88,269; at that income and 20% down, the 28% guideline points to a home of about $339,000.
The median rent here is $1,678 a month, so owning the median home costs about $4,378 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $199,440 |
|---|---|
| Loan amount | $797,760 |
| Principal and interest | $5,367 |
| Property taxes (0.33% a year) | $274 |
| Homeowners insurance (our estimate, 0.5% a year) | $416 |
| PMI | $0 |
| Total per month | $6,056 |
Change the numbers in the calculator
| Down payment | $34,902 |
|---|---|
| Loan amount | $979,138 |
| Principal and interest | $6,587 |
| Property taxes (0.33% a year) | $274 |
| Homeowners insurance (our estimate, 0.5% a year) | $416 |
| FHA mortgage insurance | $601 |
| Total per month | $7,878 |
Change the numbers in the calculator
Questions about home buying in Waialua
What is the median home value in Waialua?
About $997,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Waialua?
Homeowners pay a median $3,291 a year, which is about 0.33% 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 Waialua?
For the median home with 20% down at 7.11%, the payment is about $6,056 a month. Keeping that under 28% of gross income takes about $259,556 a year.
More about Waialua
- Mortgage Refinance in Waialua
- Debt Relief in Waialua
- Home Equity Loans in Waialua
- 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