Mortgage Rates in Ewa Beach, Hawaii — March 2026
Updated March 2026 | Based on Ewa Beach market data and regional lending conditions
Ewa Beach is a growing city in Hawaii with a population of 14,955. The current 30-year fixed mortgage rate in Ewa Beach is 6.73%, which is 0.08% above the national average. With a median home price of $637,000 and a 20% down payment of $127,400, homebuyers can expect a monthly principal and interest payment of approximately $3,298.
Current Mortgage Rates in Ewa Beach, HI
Below are the current average mortgage rates available in the Ewa Beach area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Ewa Beach Housing Market Overview
The Ewa Beach housing market is competitive with prices well above the national median. The median household income in Ewa Beach is $68,200, and the cost of living index is 177.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $147,729 to comfortably afford the median-priced home in Ewa Beach, which exceeds the current median household income.
Monthly Payment Breakdown for Ewa Beach
Based on the median home price of $637,000 with 20% down ($127,400), here is what you can expect to pay monthly in Ewa Beach:
15-Year vs. 30-Year Mortgage in Ewa Beach
Choosing a 15-year mortgage in Ewa Beach at 5.98% instead of a 30-year at 6.73% would save you $414,180 in total interest over the life of the loan. However, your monthly payment would be $4,295 instead of $3,298 — an increase of $997 per month.
Calculate Your Ewa Beach Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Ewa Beach
What are the current mortgage rates in Ewa Beach, HI?
As of March 2026, the average 30-year fixed mortgage rate in Ewa Beach, Hawaii is 6.73%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Ewa Beach?
Based on the median home price of $637,000 with 20% down, the estimated monthly mortgage payment in Ewa Beach is $3,298 for principal and interest. Including property taxes of $149/month, the total monthly housing cost is approximately $3,447.
What income do I need to buy a home in Ewa Beach?
Using the 28% rule, you would need an annual income of approximately $147,729 to afford the median-priced home in Ewa Beach at $637,000. The median household income in Ewa Beach is $68,200. This means most households would need to either earn above the median or consider homes below $637,000.
Is Ewa Beach a good place to buy a home in 2026?
Ewa Beach has a higher cost of living than average with a cost of living index of 177.4 (national average = 100). The property tax rate in Hawaii is 0.28%, which is below the national average. Ewa Beach has a population of 14,955 and offers a balanced lifestyle.
Mortgage Rates in Other Hawaii Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ewa Beach, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.