Mortgage Rates in Wahiawa, Hawaii — March 2026
Updated March 2026 | Based on Wahiawa market data and regional lending conditions
Wahiawa is a growing city in Hawaii with a population of 17,821. The current 30-year fixed mortgage rate in Wahiawa is 6.81%, which is 0.16% above the national average. With a median home price of $634,000 and a 20% down payment of $126,800, homebuyers can expect a monthly principal and interest payment of approximately $3,310.
Current Mortgage Rates in Wahiawa, HI
Below are the current average mortgage rates available in the Wahiawa 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 | 6.81% | 6.65% | +0.16% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.06% | 6.85% | +0.21% |
Wahiawa Housing Market Overview
The Wahiawa housing market is competitive with prices well above the national median. The median household income in Wahiawa is $82,800, and the cost of living index is 176.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $147,986 to comfortably afford the median-priced home in Wahiawa, which exceeds the current median household income.
Monthly Payment Breakdown for Wahiawa
Based on the median home price of $634,000 with 20% down ($126,800), here is what you can expect to pay monthly in Wahiawa:
15-Year vs. 30-Year Mortgage in Wahiawa
Choosing a 15-year mortgage in Wahiawa at 6.04% instead of a 30-year at 6.81% would save you $419,220 in total interest over the life of the loan. However, your monthly payment would be $4,291 instead of $3,310 — an increase of $981 per month.
Calculate Your Wahiawa 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 Wahiawa
What are the current mortgage rates in Wahiawa, HI?
As of March 2026, the average 30-year fixed mortgage rate in Wahiawa, Hawaii is 6.81%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.16% above the national average of 6.65%.
How much is a monthly mortgage payment in Wahiawa?
Based on the median home price of $634,000 with 20% down, the estimated monthly mortgage payment in Wahiawa is $3,310 for principal and interest. Including property taxes of $143/month, the total monthly housing cost is approximately $3,453.
What income do I need to buy a home in Wahiawa?
Using the 28% rule, you would need an annual income of approximately $147,986 to afford the median-priced home in Wahiawa at $634,000. The median household income in Wahiawa is $82,800. This means most households would need to either earn above the median or consider homes below $634,000.
Is Wahiawa a good place to buy a home in 2026?
Wahiawa has a higher cost of living than average with a cost of living index of 176.8 (national average = 100). The property tax rate in Hawaii is 0.27%, which is below the national average. Wahiawa has a population of 17,821 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 Wahiawa, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.