Total monthly cost of ownership
Cost to Own a Home in Ainaloa, Hawaii
A $222,000 home here costs
$1,950per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,141. The real number is $809 higher every month — 71% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ainaloa against Hawaii County and Hawaii
| Measure | Ainaloa | Hawaii County |
|---|---|---|
| Median home value | $222,300 | $486,400 |
| Median property tax | $704 | $1,392 |
| Effective tax rate | 0.317% | 0.286% |
| Median gross rent | $1,364 | $1,411 |
| Population | 3,493 | 203,684 |
The weather behind that power bill
Ainaloa sits in Hawaii County, which averages a high of 57.6°F in its hottest month and a low of 34.3°F in its coldest, with 14.3" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 0 cooling and 6,919 heating degree days, which is what sets the $467 electricity line above.
See the full climate breakdown for Hawaii County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hawaii County
Common questions
How much does it cost to own a home in Ainaloa?
A $222,000 home in Ainaloa, Hawaii costs approximately $1,950 per month with 20% down at 6.66%. That is $1,141 principal and interest, $59 property tax, $30 homeowners insurance, $535 utilities and $185 set aside for maintenance.
What is the property tax rate in Ainaloa?
Ainaloa has an effective property tax rate of 0.317%, based on a median home value of $222,300 and median real estate taxes of $704. That is higher than the Hawaii County average of 0.286%.
What is the average home price in Ainaloa?
The median owner-occupied home value in Ainaloa, Hawaii is $222,300, against $486,400 across Hawaii County.
Is it cheaper to rent or buy in Ainaloa?
Median gross rent in Ainaloa is $1,364 a month, against $1,950 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ainaloa — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Hawaii.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.