Mortgage payment estimates, closing cost breakdowns, and homebuying data for Waipahu, Hawaii.
Pre-filled with Waipahu median home price and Hawaii tax/insurance rates. Adjust for your property.
Estimated closing costs based on Hawaii rates and fees applied to Waipahu prices.
The median home price in Waipahu is $695,000, 16% below the Hawaii state median of $830,000. With a population of 38,216, Waipahu is a smaller market where home prices tend to be more accessible than in many parts of Hawaii.
Property taxes in Hawaii average 0.28% annually. This low property tax rate is a significant advantage for Waipahu buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Hawaii runs approximately $1,200 per year. This is within the normal range nationally.
Average rent in Waipahu is $2,150/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Waipahu is a higher-cost market. At $695K median, buyers need significant savings or strong income. Down payment assistance through Hawaii's HHFDC Hula Mae Program program becomes especially important.