Total monthly cost of ownership
Cost to Own a Home in Honaunau-Napoopoo, Hawaii
A $724,000 home here costs
$5,190per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,722. The real number is $1,468 higher every month — 39% 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.
Honaunau-Napoopoo against Hawaii County and Hawaii
| Measure | Honaunau-Napoopoo | Hawaii County |
|---|---|---|
| Median home value | $724,200 | $486,400 |
| Median property tax | $2,795 | $1,392 |
| Effective tax rate | 0.386% | 0.286% |
| Median gross rent | $1,691 | $1,411 |
| Population | 2,554 | 203,684 |
The weather behind that power bill
Honaunau-Napoopoo 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 Honaunau-Napoopoo?
A $724,000 home in Honaunau-Napoopoo, Hawaii costs approximately $5,190 per month with 20% down at 6.66%. That is $3,722 principal and interest, $233 property tax, $97 homeowners insurance, $535 utilities and $603 set aside for maintenance.
What is the property tax rate in Honaunau-Napoopoo?
Honaunau-Napoopoo has an effective property tax rate of 0.386%, based on a median home value of $724,200 and median real estate taxes of $2,795. That is higher than the Hawaii County average of 0.286%.
What is the average home price in Honaunau-Napoopoo?
The median owner-occupied home value in Honaunau-Napoopoo, Hawaii is $724,200, against $486,400 across Hawaii County.
Is it cheaper to rent or buy in Honaunau-Napoopoo?
Median gross rent in Honaunau-Napoopoo is $1,691 a month, against $5,190 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 Honaunau-Napoopoo — 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.