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Kauai

Compare Current Kauai, Hawaii Mortgage Rates

Compare Kauai, HI mortgage rates and fees from top lenders. 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 lowest 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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Kauai, HI Mortgage Rates as of May 18, 2024
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Kauai, HI Mortgage Rates

May 18, 2024

Current mortgage rates in Kauai, HI are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
Kauai, HI Rates
National
Average
Comparison
30 Year Fixed Rate
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6.669%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
%
6.250%

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 $817,438

Based on current mortgage rates and a 10% down payment, you need to make $170,531 per year to buy the median priced home in Kauai

With this income, you could qualify for a $735,694 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 $3,949

The median household income for Kauai, HI is $81,758

Based on this income, you can afford a home valued at approximately $391,909

The home price you can afford to buy based on household income in Kauai is 48% of the median home value which means housing prices are very expensive. Kauai ranks 3 out of 5 counties in Hawaii and 3,128 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: $1,089,300
2 units: $1,394,775
3 units: $1,685,850
4 units: $2,095,200

FHA loan limits for Kauai, HI

1 unit: $977,500
2 units: $1,251,400
3 units: $1,512,650
4 units: $1,879,850

VA loan limits for Kauai, HI

1 unit: $1,089,300

Additional Mortgage Resources for Kauai, HI Residents

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