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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.

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Mortgage Rates in Kauai, HI as of October 23, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

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

October 23, 2019

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%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Kauai, Hawaii?

The median home value for Kauai, HI is $629,554

The median household income for Kauai, HI is $74,541

Based on current mortgage rates and a 10% down payment, you need to make $116,802 per year to buy the median priced home in Kauai

The home price you can afford to buy based on household income in Kauai is 64% of the median home value which means housing prices are very expensive

Kauai ranks 2 out of 5 counties in Hawaii and 3,115 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

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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: $726,525
2 units: $930,300
3 units: $1,124,475
4 units: $1,397,400

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: $726,525

Additional Mortgage Resources for Kauai, HI Residents

Mortgage Rates for Hawaii Cities

Honolulu Mortgage Rates

Kauai Mortgage Rates

Maui Mortgage Rates

Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index