Mortgage Rates in Kalaheo, Hawaii — March 2026
Updated March 2026 | Based on Kalaheo market data and regional lending conditions
Kalaheo is a smaller Hawaii community of 35,614 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.62% (0.03% below the national average). The median home price of $680,000 translates to roughly $3,657/month with 20% down — requiring an income of about $156,729, which exceeds the local median of $88,500.
Current Mortgage Rates in Kalaheo, HI
Below are the current average mortgage rates available in the Kalaheo 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Kalaheo Housing Market Overview
Kalaheo's housing market is competitive — median prices of $680,000 put it well above the national median of ~$400,000. Buyers here face higher barriers to entry, but the local economy (median household income: $88,500) may not fully support current asking prices.
Monthly Payment Breakdown for Kalaheo
Based on the median home price of $680,000 with 20% down ($136,000), here is what you can expect to pay monthly in Kalaheo:
15-Year vs. 30-Year Mortgage in Kalaheo
Choosing a 15-year mortgage in Kalaheo at 5.88% instead of a 30-year at 6.62% would save you $433,260 in total interest over the life of the loan. However, your monthly payment would be $4,555 instead of $3,481 — an increase of $1,074 per month.
Calculate Your Kalaheo 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 Kalaheo
What are the current mortgage rates in Kalaheo, HI?
As of March 2026, the average 30-year fixed mortgage rate in Kalaheo, Hawaii is 6.62%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Kalaheo?
Based on the median home price of $680,000 with 20% down, the estimated monthly mortgage payment in Kalaheo is $3,481 for principal and interest. Including property taxes of $176/month, the total monthly housing cost is approximately $3,657.
What income do I need to buy a home in Kalaheo?
Using the 28% rule, you would need an annual income of approximately $156,729 to afford the median-priced home in Kalaheo at $680,000. The median household income in Kalaheo is $88,500. This means most households would need to either earn above the median or consider homes below $680,000.
Is Kalaheo a good place to buy a home in 2026?
Kalaheo has a higher cost of living than average with a cost of living index of 182.1 (national average = 100). The property tax rate in Hawaii is 0.31%, which is below the national average. Kalaheo has a population of 35,614 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 Kalaheo, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.