Mortgage Rates in Ewa Gentry, Hawaii — March 2026
Updated March 2026 | Based on Ewa Gentry market data and regional lending conditions
Ewa Gentry is a growing city in Hawaii with a population of 26,591. The current 30-year fixed mortgage rate in Ewa Gentry is 6.7%, which is 0.05% above the national average. With a median home price of $697,000 and a 20% down payment of $139,400, homebuyers can expect a monthly principal and interest payment of approximately $3,598.
Current Mortgage Rates in Ewa Gentry, HI
Below are the current average mortgage rates available in the Ewa Gentry 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Ewa Gentry Housing Market Overview
The Ewa Gentry housing market is competitive with prices well above the national median. The median household income in Ewa Gentry is $76,800, and the cost of living index is 172.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $161,400 to comfortably afford the median-priced home in Ewa Gentry, which exceeds the current median household income.
Monthly Payment Breakdown for Ewa Gentry
Based on the median home price of $697,000 with 20% down ($139,400), here is what you can expect to pay monthly in Ewa Gentry:
15-Year vs. 30-Year Mortgage in Ewa Gentry
Choosing a 15-year mortgage in Ewa Gentry at 5.95% instead of a 30-year at 6.7% would save you $451,080 in total interest over the life of the loan. However, your monthly payment would be $4,690 instead of $3,598 — an increase of $1,092 per month.
Calculate Your Ewa Gentry 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 Gentry
What are the current mortgage rates in Ewa Gentry, HI?
As of March 2026, the average 30-year fixed mortgage rate in Ewa Gentry, Hawaii is 6.7%, while the 15-year fixed rate is 5.95%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Ewa Gentry?
Based on the median home price of $697,000 with 20% down, the estimated monthly mortgage payment in Ewa Gentry is $3,598 for principal and interest. Including property taxes of $168/month, the total monthly housing cost is approximately $3,766.
What income do I need to buy a home in Ewa Gentry?
Using the 28% rule, you would need an annual income of approximately $161,400 to afford the median-priced home in Ewa Gentry at $697,000. The median household income in Ewa Gentry is $76,800. This means most households would need to either earn above the median or consider homes below $697,000.
Is Ewa Gentry a good place to buy a home in 2026?
Ewa Gentry has a higher cost of living than average with a cost of living index of 172.2 (national average = 100). The property tax rate in Hawaii is 0.29%, which is below the national average. Ewa Gentry has a population of 26,591 and offers a balanced lifestyle.
Mortgage Rates in Other Hawaii Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ewa Gentry, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.