The typical owner-occupied home in Kekaha is worth about $682,900, 19% below the Hawaii median of $839,100 and 2.1 times the national median of $332,700. Owners pay a median $1,183 a year in property taxes, about 0.17% of their home's value, lower than the Hawaii rate of 0.27%. The median household earns $84,375 a year, so the median home costs 8.1 times the median income (8.4 times for Hawaii). 68% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Kekaha at a glance
| Kekaha | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $682,900 | $839,100 | $332,700 |
| Median property tax paid per year | $1,183 | $2,239 | $3,119 |
| Property tax as a share of value | 0.17% | 0.27% | 0.94% |
| Median household income | $84,375 | $100,389 | $80,734 |
| Homes lived in by their owners | 68% | 63% | 65% |
| Owner homes with a mortgage | 68% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $2,767 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 26.9% | 25.7% | 21.0% |
| Median rent | $2,248 | $1,971 | $1,413 |
| Rent as a share of renters' income | 33.2% | 33.2% | 30.6% |
| Median year homes were built | 1975 | 1980 | 1980 |
| Vacant homes | 12.2% | 13.3% | 10.1% |
| Population | 3,768 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Kekaha
At this week's average 30-year rate of 7.11%, buying the median Kekaha home of $682,900 with 20% down costs about $4,056 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,194, 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 $173,847 for the 20%-down payment. That payment is 58% of the median Kekaha household income of $84,375; at that income and 20% down, the 28% guideline points to a home of about $331,000.
The median rent here is $2,248 a month, so owning the median home costs about $1,808 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $136,580 |
|---|---|
| Loan amount | $546,320 |
| Principal and interest | $3,675 |
| Property taxes (0.17% a year) | $97 |
| Homeowners insurance (our estimate, 0.5% a year) | $285 |
| PMI | $0 |
| Total per month | $4,056 |
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| Down payment | $23,902 |
|---|---|
| Loan amount | $670,531 |
| Principal and interest | $4,511 |
| Property taxes (0.17% a year) | $97 |
| Homeowners insurance (our estimate, 0.5% a year) | $285 |
| FHA mortgage insurance | $302 |
| Total per month | $5,194 |
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Questions about home buying in Kekaha
What is the median home value in Kekaha?
About $682,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kekaha?
Homeowners pay a median $1,183 a year, which is about 0.17% 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 Kekaha?
For the median home with 20% down at 7.11%, the payment is about $4,056 a month. Keeping that under 28% of gross income takes about $173,847 a year.
More about Kekaha
- Mortgage Refinance in Kekaha
- Debt Relief in Kekaha
- Home Equity Loans in Kekaha
- 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