Mortgage Rates in Kilauea, Hawaii — March 2026
Updated March 2026 | Based on Kilauea market data and regional lending conditions
Kilauea is a smaller Hawaii community of 23,871 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.79% (0.14% above the national average). The median home price of $990,000 translates to roughly $5,356/month with 20% down — requiring an income of about $229,543, which exceeds the local median of $94,000.
Current Mortgage Rates in Kilauea, HI
Below are the current average mortgage rates available in the Kilauea 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Kilauea Housing Market Overview
Kilauea's housing market is competitive — median prices of $990,000 put it well above the national median of ~$400,000. Buyers here face higher barriers to entry, but the local economy (median household income: $94,000) may not fully support current asking prices.
Monthly Payment Breakdown for Kilauea
Based on the median home price of $990,000 with 20% down ($198,000), here is what you can expect to pay monthly in Kilauea:
15-Year vs. 30-Year Mortgage in Kilauea
Choosing a 15-year mortgage in Kilauea at 6.02% instead of a 30-year at 6.79% would save you $652,320 in total interest over the life of the loan. However, your monthly payment would be $6,692 instead of $5,158 — an increase of $1,534 per month.
Calculate Your Kilauea 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 Kilauea
What are the current mortgage rates in Kilauea, HI?
As of March 2026, the average 30-year fixed mortgage rate in Kilauea, Hawaii is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Kilauea?
Based on the median home price of $990,000 with 20% down, the estimated monthly mortgage payment in Kilauea is $5,158 for principal and interest. Including property taxes of $198/month, the total monthly housing cost is approximately $5,356.
What income do I need to buy a home in Kilauea?
Using the 28% rule, you would need an annual income of approximately $229,543 to afford the median-priced home in Kilauea at $990,000. The median household income in Kilauea is $94,000. This means most households would need to either earn above the median or consider homes below $990,000.
Is Kilauea a good place to buy a home in 2026?
Kilauea has a higher cost of living than average with a cost of living index of 197.7 (national average = 100). The property tax rate in Hawaii is 0.24%, which is below the national average. Kilauea has a population of 23,871 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Kilauea, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.