Kapaa, HI home prices
Typical home $1,014,199 · +1.9% in a year · income needed $263,400
The Kapaa, HI metro area ranks 10 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.9% in a year and +30.1% over five years. With 20% down at 7.11%, the typical home costs about $6,146 a month including 0.21% property tax (Kauai County rate).
Mortgage on the typical Kapaa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $202,840 | $811,359 | $5,458 | $0 | $688 | $6,146 | $263,400 |
| 10% down | $101,420 | $912,779 | $6,140 | $380 | $688 | $7,208 | $308,900 |
| 5% down | $50,710 | $963,489 | $6,481 | $401 | $688 | $7,571 | $324,500 |
| 3.5% down (FHA) | $35,497 | $995,830 | $6,699 | $449 | $688 | $7,835 | $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.
Counties in the Kapaa area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kauai County, HI | $1,014,244 | +1.9% | 0.21% |
What can you afford in Hawaii on your salary? · Hawaii home prices · Salaries in Hawaii
Frequently asked questions
How much is a house in Kapaa?
The typical home in the Kapaa, HI metro area is worth $1,014,199 (Zillow, September 2026).
What salary do you need to buy a house in Kapaa?
About $263,400 a year for the typical home with 20% down at 7.11%.