Total monthly cost of ownership
Cost to Own a Home in Kekaha, Hawaii
A $517,000 home here costs
$3,789per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,658. The real number is $1,131 higher every month — 43% 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.
Kekaha against Kauai County and Hawaii
| Measure | Kekaha | Kauai County |
|---|---|---|
| Median home value | $516,800 | $817,900 |
| Median property tax | $1,151 | $1,840 |
| Effective tax rate | 0.223% | 0.225% |
| Median gross rent | $2,188 | $1,810 |
| Population | 3,482 | 73,610 |
The weather behind that power bill
Kekaha sits in Kauai County, which averages a high of 87.5°F in its hottest month and a low of 64.4°F in its coldest, with 17.84" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 4,056 cooling and 0 heating degree days, which is what sets the $467 electricity line above.
See the full climate breakdown for Kauai County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kauai County
Common questions
How much does it cost to own a home in Kekaha?
A $517,000 home in Kekaha, Hawaii costs approximately $3,789 per month with 20% down at 6.66%. That is $2,658 principal and interest, $96 property tax, $69 homeowners insurance, $535 utilities and $431 set aside for maintenance.
What is the property tax rate in Kekaha?
Kekaha has an effective property tax rate of 0.223%, based on a median home value of $516,800 and median real estate taxes of $1,151. That is in line with the Kauai County average of 0.225%.
What is the average home price in Kekaha?
The median owner-occupied home value in Kekaha, Hawaii is $516,800, against $817,900 across Kauai County.
Is it cheaper to rent or buy in Kekaha?
Median gross rent in Kekaha is $2,188 a month, against $3,789 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 Kekaha — 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.