Total monthly cost of ownership
Cost to Own a Home in Captain Cook, Hawaii
A $643,000 home here costs
$4,673per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,306. The real number is $1,368 higher every month — 41% 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.
Captain Cook against Hawaii County and Hawaii
| Measure | Captain Cook | Hawaii County |
|---|---|---|
| Median home value | $642,500 | $486,400 |
| Median property tax | $2,527 | $1,392 |
| Effective tax rate | 0.393% | 0.286% |
| Median gross rent | $1,818 | $1,411 |
| Population | 3,751 | 203,684 |
The weather behind that power bill
Captain Cook 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 Captain Cook?
A $643,000 home in Captain Cook, Hawaii costs approximately $4,673 per month with 20% down at 6.66%. That is $3,306 principal and interest, $211 property tax, $86 homeowners insurance, $535 utilities and $536 set aside for maintenance.
What is the property tax rate in Captain Cook?
Captain Cook has an effective property tax rate of 0.393%, based on a median home value of $642,500 and median real estate taxes of $2,527. That is higher than the Hawaii County average of 0.286%.
What is the average home price in Captain Cook?
The median owner-occupied home value in Captain Cook, Hawaii is $642,500, against $486,400 across Hawaii County.
Is it cheaper to rent or buy in Captain Cook?
Median gross rent in Captain Cook is $1,818 a month, against $4,673 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 Captain Cook — 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.