Total monthly cost of ownership
Cost to Own a Home in Kailua CDP (Hawaii County), Hawaii
A $649,000 home here costs
$4,692per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,337. The real number is $1,355 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.
Kailua CDP (Hawaii County) against Hawaii County and Hawaii
| Measure | Kailua CDP (Hawaii County) | Hawaii County |
|---|---|---|
| Median home value | $649,400 | $486,400 |
| Median property tax | $2,313 | $1,392 |
| Effective tax rate | 0.356% | 0.286% |
| Median gross rent | $1,747 | $1,411 |
| Population | 21,851 | 203,684 |
The weather behind that power bill
Kailua CDP (Hawaii County) 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 Kailua CDP (Hawaii County)?
A $649,000 home in Kailua CDP (Hawaii County), Hawaii costs approximately $4,692 per month with 20% down at 6.66%. That is $3,337 principal and interest, $193 property tax, $87 homeowners insurance, $535 utilities and $541 set aside for maintenance.
What is the property tax rate in Kailua CDP (Hawaii County)?
Kailua CDP (Hawaii County) has an effective property tax rate of 0.356%, based on a median home value of $649,400 and median real estate taxes of $2,313. That is higher than the Hawaii County average of 0.286%.
What is the average home price in Kailua CDP (Hawaii County)?
The median owner-occupied home value in Kailua CDP (Hawaii County), Hawaii is $649,400, against $486,400 across Hawaii County.
Is it cheaper to rent or buy in Kailua CDP (Hawaii County)?
Median gross rent in Kailua CDP (Hawaii County) is $1,747 a month, against $4,692 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 Kailua CDP (Hawaii County) — 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.