Local
Learn about the people, housing, costs and businesses in Wailuku, Hawaii
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Wailuku.
True all-in cost — P&I, taxes, insurance & utilities for homes in Wailuku.
Find and compare lenders active near Wailuku.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Wailuku.
Seismic risk and earthquake insurance estimates for Wailuku.
Wildfire exposure and insurance estimates for Wailuku.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Wailuku is approximately 6.781% (6.813% 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 WailukuThe median home value in Wailuku is $773k. The median monthly rent is $1,819. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Wailuku have increased 32.3% 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 $1,958/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $84k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Wailuku is $94k/year.
Calculate your buying powerThe largest employment sectors in Wailuku are public administration (20%) and healthcare (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.