The median home in Kailua, Hawaii is valued at $1,473,131, up 0.1% year over year. Typical monthly rent is $3,616, producing a price-to-rent ratio of 33.9x — well above the national average of 18x. Kailua is part of the Urban Honolulu, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,473,131
+0.1%
Rent$3,616/mo
AFFORDABILITYRenting $4,277/mo cheaper ($3,616 rent)6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.
Enter your income for Kailua.
$294,626 on $1,473,131
Out of reach — 126.3% of income
Need $338,271/yr to afford.
PITI$7,893
P/I126.3%
Afford$327K
Gap-$1147K
P&I $7,449Tax $344Ins $100
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Hawaii
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Full Urban Honolulu, HI analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Urban Honolulu, HI metro.
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