The typical owner-occupied home in Kilauea is worth about $1,087,400, 30% above the Hawaii median of $839,100 and 3.3 times the national median of $332,700. Owners pay a median $1,942 a year in property taxes, about 0.18% of their home's value, lower than the Hawaii rate of 0.27%. The median household earns $91,984 a year, so the median home costs 11.8 times the median income (8.4 times for Hawaii). 82% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Kilauea at a glance
| Kilauea | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $1,087,400 | $839,100 | $332,700 |
| Median property tax paid per year | $1,942 | $2,239 | $3,119 |
| Property tax as a share of value | 0.18% | 0.27% | 0.94% |
| Median household income | $91,984 | $100,389 | $80,734 |
| Homes lived in by their owners | 82% | 63% | 65% |
| Owner homes with a mortgage | 63% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $2,337 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 30.1% | 25.7% | 21.0% |
| Median rent | $1,318 | $1,971 | $1,413 |
| Rent as a share of renters' income | 29.9% | 33.2% | 30.6% |
| Median year homes were built | 1985 | 1980 | 1980 |
| Vacant homes | 13.2% | 13.3% | 10.1% |
| Population | 3,146 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Kilauea
At this week's average 30-year rate of 7.11%, buying the median Kilauea home of $1,087,400 with 20% down costs about $6,468 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,455, 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 $277,209 for the 20%-down payment. That payment is 84% of the median Kilauea household income of $91,984; at that income and 20% down, the 28% guideline points to a home of about $361,000.
The median rent here is $1,318 a month, so owning the median home costs about $5,150 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $217,480 |
|---|---|
| Loan amount | $869,920 |
| Principal and interest | $5,852 |
| Property taxes (0.18% a year) | $163 |
| Homeowners insurance (our estimate, 0.5% a year) | $453 |
| PMI | $0 |
| Total per month | $6,468 |
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| Down payment | $38,059 |
|---|---|
| Loan amount | $1,067,704 |
| Principal and interest | $7,183 |
| Property taxes (0.18% a year) | $163 |
| Homeowners insurance (our estimate, 0.5% a year) | $453 |
| FHA mortgage insurance | $656 |
| Total per month | $8,455 |
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Questions about home buying in Kilauea
What is the median home value in Kilauea?
About $1,087,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kilauea?
Homeowners pay a median $1,942 a year, which is about 0.18% 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 Kilauea?
For the median home with 20% down at 7.11%, the payment is about $6,468 a month. Keeping that under 28% of gross income takes about $277,209 a year.
More about Kilauea
- Mortgage Refinance in Kilauea
- Debt Relief in Kilauea
- Home Equity Loans in Kilauea
- 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