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Learn about the people, housing, costs and businesses in Kapaau, Hawaii
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Kapaau.
True all-in cost — P&I, taxes, insurance & utilities for homes in Kapaau.
Find and compare lenders active near Kapaau.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Kapaau.
Seismic risk and earthquake insurance estimates for Kapaau.
Wildfire exposure and insurance estimates for Kapaau.
As of today, the 30-year fixed mortgage rate for Kapaau is approximately 6.903% (6.939% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for KapaauThe median home value in Kapaau is $698k. The median monthly rent is $1,811. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Kapaau have increased 10.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,423/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $61k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Kapaau is $95k/year.
Calculate your buying powerThe largest employment sectors in Kapaau are public administration (21%) and retail (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.