Mortgage Rates in Waipio Acres, Hawaii — March 2026
Updated March 2026 | Based on Waipio Acres market data and regional lending conditions
Waipio Acres is a smaller Hawaii community of 28,089 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.87% (0.22% above the national average). The median home price of $725,000 translates to roughly $3,965/month with 20% down — requiring an income of about $169,929, which exceeds the local median of $93,000.
Current Mortgage Rates in Waipio Acres, HI
Below are the current average mortgage rates available in the Waipio Acres 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.09% | 5.89% | +0.2% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Waipio Acres Housing Market Overview
Waipio Acres's housing market is competitive — median prices of $725,000 put it well above the national median of ~$400,000. Buyers here face higher barriers to entry, but the local economy (median household income: $93,000) may not fully support current asking prices.
Monthly Payment Breakdown for Waipio Acres
Based on the median home price of $725,000 with 20% down ($145,000), here is what you can expect to pay monthly in Waipio Acres:
15-Year vs. 30-Year Mortgage in Waipio Acres
Choosing a 15-year mortgage in Waipio Acres at 6.09% instead of a 30-year at 6.87% would save you $484,740 in total interest over the life of the loan. However, your monthly payment would be $4,923 instead of $3,808 — an increase of $1,115 per month.
Calculate Your Waipio Acres 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 Waipio Acres
What are the current mortgage rates in Waipio Acres, HI?
As of March 2026, the average 30-year fixed mortgage rate in Waipio Acres, Hawaii is 6.87%, while the 15-year fixed rate is 6.09%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Waipio Acres?
Based on the median home price of $725,000 with 20% down, the estimated monthly mortgage payment in Waipio Acres is $3,808 for principal and interest. Including property taxes of $157/month, the total monthly housing cost is approximately $3,965.
What income do I need to buy a home in Waipio Acres?
Using the 28% rule, you would need an annual income of approximately $169,929 to afford the median-priced home in Waipio Acres at $725,000. The median household income in Waipio Acres is $93,000. This means most households would need to either earn above the median or consider homes below $725,000.
Is Waipio Acres a good place to buy a home in 2026?
Waipio Acres has a higher cost of living than average with a cost of living index of 177.8 (national average = 100). The property tax rate in Hawaii is 0.26%, which is below the national average. Waipio Acres has a population of 28,089 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Waipio Acres, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.