Kauai County, Hawaii home prices
Typical home $1,014,244 · +1.9% in a year · property tax 0.21%
The typical home in Kauai County is worth $1,014,244, 22% more than the Hawaii typical home ($832,932). Values changed +1.9% in the past year and +30.2% over five years. Homeowners here pay a median 0.21% of their home's value in property tax each year ($2,167 on the typical home), versus 0.26% statewide.
Mortgage on the typical Kauai County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $202,849 | $811,395 | $5,458 | $0 | $688 | $6,146 | $263,400 |
| 10% down | $101,424 | $912,819 | $6,141 | $380 | $688 | $7,209 | $308,900 |
| 5% down | $50,712 | $963,532 | $6,482 | $401 | $688 | $7,571 | $324,500 |
| 3.5% down (FHA) | $35,499 | $995,873 | $6,699 | $449 | $688 | $7,836 | $335,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.21% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Hawaii · part of the Kapaa metro area.
Hawaii counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Maui County | $982,145 | -2.9% | 0.16% |
| Honolulu County | $855,988 | +2.6% | 0.28% |
| Hawaii County | $574,749 | +1.9% | 0.28% |
Frequently asked questions
What is the average home price in Kauai County, HI?
The typical home value in Kauai County is $1,014,244 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kauai County?
About $263,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kauai County?
The median effective rate is 0.21% of home value a year (Census ACS 2024 5-year estimates).