Total monthly cost of ownership
Cost to Own a Home in Hawaiian Beaches, Hawaii
A $248,000 home here costs
$1,940per 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 $83,000 a year.
A standard mortgage calculator would have told you $1,352. The real number is $588 higher every month, 44% more than the payment most buyers budget for.
Compare Hawaii County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Hawaiian Beaches from a five-year rolling sample, and with about 4,503 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Hawaii County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Hawaiian Beaches against Hawaii County and Hawaii
| Measure | Hawaiian Beaches | Hawaii County |
|---|---|---|
| Median home value | $247,500 | $486,400 |
| Median property tax | $563 | $1,392 |
| Effective tax rate | 0.227% | 0.286% |
| Median gross rent | $1,639 | $1,411 |
| Population | 4,503 | 203,684 |
The weather behind that power bill
Hawaiian Beaches 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 $234 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
Talk to someone who works this market
These are Hawaiian Beaches 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 Hawaiian Beaches every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Hawaiian Beaches I already own here and may sell
Common questions
How much does it cost to own a home in Hawaiian Beaches?
A $248,000 home in Hawaiian Beaches, Hawaii costs approximately $1,940 per month with 20% down at 7.24%. That is $1,352 principal and interest, $47 property tax, $33 homeowners insurance, $302 utilities and $207 set aside for maintenance.
What is the property tax rate in Hawaiian Beaches?
Hawaiian Beaches has an effective property tax rate of 0.227%, based on a median home value of $247,500 and median real estate taxes of $563. That is lower than the Hawaii County average of 0.286%.
What is the average home price in Hawaiian Beaches?
The median owner-occupied home value in Hawaiian Beaches, Hawaii is $247,500, against $486,400 across Hawaii County.
Is it cheaper to rent or buy in Hawaiian Beaches?
Median gross rent in Hawaiian Beaches is $1,639 a month, against $1,940 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 Hawaiian Beaches?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hawaiian Beaches, Hawaii at today's rate takes a household income of roughly $83,000 a year. That covers the full $1,940 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hawaiian Beaches, 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.