The typical owner-occupied home in Kaunakakai is worth about $368,100, 56% below the Hawaii median of $839,100 and 11% above the national median of $332,700. Owners pay a median $526 a year in property taxes, about 0.14% of their home's value, lower than the Hawaii rate of 0.27%. The median household earns $76,131 a year, so the median home costs 4.8 times the median income (8.4 times for Hawaii). 60% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
Kaunakakai at a glance
| Kaunakakai | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $368,100 | $839,100 | $332,700 |
| Median property tax paid per year | $526 | $2,239 | $3,119 |
| Property tax as a share of value | 0.14% | 0.27% | 0.94% |
| Median household income | $76,131 | $100,389 | $80,734 |
| Homes lived in by their owners | 60% | 63% | 65% |
| Owner homes with a mortgage | 38% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $2,308 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 31.3% | 25.7% | 21.0% |
| Median rent | $879 | $1,971 | $1,413 |
| Rent as a share of renters' income | 31.9% | 33.2% | 30.6% |
| Median year homes were built | 1976 | 1980 | 1980 |
| Vacant homes | 16.9% | 13.3% | 10.1% |
| Population | 4,360 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Kaunakakai
At this week's average 30-year rate of 7.11%, buying the median Kaunakakai home of $368,100 with 20% down costs about $2,177 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,791, 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 $93,313 for the 20%-down payment. That payment is 34% of the median Kaunakakai household income of $76,131; at that income and 20% down, the 28% guideline points to a home of about $300,000.
The median rent here is $879 a month, so owning the median home costs about $1,298 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $73,620 |
|---|---|
| Loan amount | $294,480 |
| Principal and interest | $1,981 |
| Property taxes (0.14% a year) | $43 |
| Homeowners insurance (our estimate, 0.5% a year) | $153 |
| PMI | $0 |
| Total per month | $2,177 |
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| Down payment | $12,884 |
|---|---|
| Loan amount | $361,433 |
| Principal and interest | $2,431 |
| Property taxes (0.14% a year) | $43 |
| Homeowners insurance (our estimate, 0.5% a year) | $153 |
| FHA mortgage insurance | $163 |
| Total per month | $2,791 |
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Questions about home buying in Kaunakakai
What is the median home value in Kaunakakai?
About $368,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kaunakakai?
Homeowners pay a median $526 a year, which is about 0.14% 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 Kaunakakai?
For the median home with 20% down at 7.11%, the payment is about $2,177 a month. Keeping that under 28% of gross income takes about $93,313 a year.
More about Kaunakakai
- Mortgage Refinance in Kaunakakai
- Debt Relief in Kaunakakai
- Home Equity Loans in Kaunakakai
- 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