Hawaii County, HI Average Home Price (2026)
The average home price in Hawaii County, Hawaii is about $571,000 (the 2026 median across 27 ZIP codes, at ~$553/sq ft) — 32% more affordable than the Hawaii median and 98% more expensive than the typical U.S. home.
How Hawaii County compares
Hawaii County is relatively expensive for housing nationally: its typical home costs $571,000 against $842,000 for Hawaii and $289,000 for the U.S. Within the county, ZIP-level values run from about $288,000 to $1,271,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hawaii County | $571,000 | $553 |
| Hawaii | $842,000 | $689 |
| United States | $289,000 | $193 |
Hawaii County home prices by ZIP code
The 15 most valuable ZIP codes in Hawaii County (of 27 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 96743 Waimea | $1,271,000 | $1035 | +123% |
| 96773 Ninole | $1,108,000 | $583 | +94% |
| 96774 Ookala | $1,051,000 | $553 | +84% |
| 96725 Holualoa | $1,035,000 | $699 | +81% |
| 96710 Honomu | $961,000 | $751 | +68% |
| 96740 Kailua Kona | $876,000 | $690 | +53% |
| 96719 Hawi | $854,000 | $711 | +50% |
| 96780 Papaaloa | $841,000 | $863 | +47% |
| 96738 Waikoloa | $837,000 | $699 | +47% |
| 96750 Kealakekua | $781,000 | $1435 | +37% |
| 96727 Honokaa | $655,000 | $457 | +15% |
| 96755 Kapaau | $653,000 | $608 | +14% |
| 96764 Laupahoehoe | $645,000 | $591 | +13% |
| 96783 Pepeekeo | $571,000 | $638 | +0% |
| 96720 Hilo | $556,000 | $433 | -3% |
Home value appreciation in Hawaii County
Home prices in Hawaii County have risen about 92% over the last 10 years (≈6.8% a year) and +74.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.1% — still rising. A home worth $571,000 today was worth roughly $296,932 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Hawaii is +73.3% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Hawaii County
Run the numbers for Hawaii County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hawaii County
To buy the typical $571,000 home in Hawaii County with 20% down, you need a household income of roughly $155,000 a year (about $3,620 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $185,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $28,600 | $4,510/mo | $193,000/yr |
| 10% (+PMI) | $57,100 | $4,310/mo | $185,000/yr |
| 20% | $114,200 | $3,620/mo | $155,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Hawaii County
At about $553 per square foot, here is roughly how much home different budgets get you in Hawaii County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 540 sq ft | below the local median — condos, smaller or older homes |
| $400k | 720 sq ft | below the local median — condos, smaller or older homes |
| $500k | 900 sq ft | around the typical home here |
| $600k | 1080 sq ft | around the typical home here |
| $750k | 1360 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Hawaii.
Estimate a specific home in Hawaii County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Hawaii County home prices: frequently asked
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Browse all Hawaii cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.