Mortgage Rates in Halawa, Hawaii — March 2026
Updated March 2026 | Based on Halawa market data and regional lending conditions
Halawa is a growing city in Hawaii with a population of 14,014. The current 30-year fixed mortgage rate in Halawa is 6.86%, which is 0.21% above the national average. With a median home price of $699,000 and a 20% down payment of $139,800, homebuyers can expect a monthly principal and interest payment of approximately $3,668.
Current Mortgage Rates in Halawa, HI
Below are the current average mortgage rates available in the Halawa 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 | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Halawa Housing Market Overview
The Halawa housing market is competitive with prices well above the national median. The median household income in Halawa is $79,600, and the cost of living index is 184.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $164,186 to comfortably afford the median-priced home in Halawa, which exceeds the current median household income.
Monthly Payment Breakdown for Halawa
Based on the median home price of $699,000 with 20% down ($139,800), here is what you can expect to pay monthly in Halawa:
15-Year vs. 30-Year Mortgage in Halawa
Choosing a 15-year mortgage in Halawa at 6.08% instead of a 30-year at 6.86% would save you $466,740 in total interest over the life of the loan. However, your monthly payment would be $4,743 instead of $3,668 — an increase of $1,075 per month.
Calculate Your Halawa 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 Halawa
What are the current mortgage rates in Halawa, HI?
As of March 2026, the average 30-year fixed mortgage rate in Halawa, Hawaii is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Halawa?
Based on the median home price of $699,000 with 20% down, the estimated monthly mortgage payment in Halawa is $3,668 for principal and interest. Including property taxes of $163/month, the total monthly housing cost is approximately $3,831.
What income do I need to buy a home in Halawa?
Using the 28% rule, you would need an annual income of approximately $164,186 to afford the median-priced home in Halawa at $699,000. The median household income in Halawa is $79,600. This means most households would need to either earn above the median or consider homes below $699,000.
Is Halawa a good place to buy a home in 2026?
Halawa has a higher cost of living than average with a cost of living index of 184.3 (national average = 100). The property tax rate in Hawaii is 0.28%, which is below the national average. Halawa has a population of 14,014 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 Halawa, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.