Total monthly cost of ownership
Cost to Own a Home in Ewa Beach, Hawaii
A $698,000 home here costs
$4,952per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $212,000 a year.
A standard mortgage calculator would have told you $3,805. The real number is $1,146 higher every month, 30% more than the payment most buyers budget for.
Compare Honolulu County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ewa Beach against Honolulu County and Hawaii
| Measure | Ewa Beach | Honolulu County |
|---|---|---|
| Median home value | $698,200 | $873,000 |
| Median property tax | $2,037 | $2,482 |
| Effective tax rate | 0.292% | 0.284% |
| Median gross rent | $2,554 | $2,054 |
| Population | 15,388 | 1,003,666 |
The weather behind that power bill
Ewa Beach sits in Honolulu County, which averages a high of 85.6°F in its hottest month and a low of 64.4°F in its coldest, with 21.78" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,609 cooling and 0 heating degree days, which is what sets the $234 electricity line above.
See the full climate breakdown for Honolulu County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Honolulu County
Full Honolulu County cost breakdown · Every county in Hawaii
Talk to someone who works this market
These are Ewa Beach averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Ewa Beach every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Ewa Beach I already own here and may sell
Common questions
How much does it cost to own a home in Ewa Beach?
A $698,000 home in Ewa Beach, Hawaii costs approximately $4,952 per month with 20% down at 7.24%. That is $3,805 principal and interest, $170 property tax, $93 homeowners insurance, $302 utilities and $582 set aside for maintenance.
What is the property tax rate in Ewa Beach?
Ewa Beach has an effective property tax rate of 0.292%, based on a median home value of $698,200 and median real estate taxes of $2,037. That is in line with the Honolulu County average of 0.284%.
What is the average home price in Ewa Beach?
The median owner-occupied home value in Ewa Beach, Hawaii is $698,200, against $873,000 across Honolulu County.
Is it cheaper to rent or buy in Ewa Beach?
Median gross rent in Ewa Beach is $2,554 a month, against $4,952 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Ewa Beach?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ewa Beach, Hawaii at today's rate takes a household income of roughly $212,000 a year. That covers the full $4,952 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ewa Beach, 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.