»
»
Kauai

Current Mortgage Rates in Kauai, Hawaii

Compare mortgage rates and fees for leading lenders in Kauai, HI. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Kauai.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Kauai. Plus, shopping lenders is free and there is no obligation.

%
Mortgage Rates in Kauai, HI as of September 30, 2020
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees
  • Contact
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
PERSONALIZED MORTGAGE QUOTE

$
LEADING LENDERS ● LOW RATES ● FREE ● NO SSN

How Do Today's Kauai, HI Mortgage Rates Compare?

September 30, 2020

The current average rate for a 30 year fixed rate mortgage in Kauai is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Kauai, HI Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Kauai, Hawaii?

Below we provide helpful information on the real estate market, home prices and housing affordability in Kauai. Understand how much you need to earn to afford a home in Kauai, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Kauai fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Kauai is right for you.

The median home value for Kauai, HI is $654,736

Based on current mortgage rates and a 10% down payment, you need to make $117,836 per year to buy the median priced home in Kauai

With this income, you could qualify for a $589,262 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Kauai is $2,729

The median household income for Kauai, HI is $76,282

Based on this income, you can afford a home valued at approximately $423,851

The home price you can afford to buy based on household income in Kauai is 65% of the median home value which means housing prices are very expensive. Kauai ranks 2 out of 5 counties in Hawaii and 3,113 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Kauai, HI is very expensive

orange-simple-house
ruler

Loan Limits for Kauai, Hawaii

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Kauai below.

Conforming loan limits for Kauai, HI

1 unit: $765,600
2 units: $980,325
3 units: $1,184,925
4 units: $1,472,550

FHA loan limits for Kauai, HI

1 unit: $713,000
2 units: $912,750
3 units: $1,103,350
4 units: $1,371,150

VA loan limits for Kauai, HI

1 unit: $765,600

Additional Mortgage Resources for Kauai, HI Residents

Mortgage Rates for Hawaii Cities

Honolulu Mortgage Rates

Kauai Mortgage Rates

Maui Mortgage Rates