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.

Home Value$1,473,131

+0.1%

Rent$3,616/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Kailua.

Income (annual)

Down Payment

$294,626 on $1,473,131

Example: $75,000 household income. Change it above to see your own.

Out of reach126.3% of income

Need $338,271/yr to afford.

PITI$7,893

P/I126.3%

Afford$327K

Gap-$1.15M

P&I $7,449Tax $344Ins $100

Renting $4,277/mo cheaper ($3,616 rent)6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Hawaii

Compare Kailua with other housing markets across Hawaii.

Hanalei$3.2M Puako$2.15M Kilauea$1.71M Haleiwa$1.61M Princeville$1.4M Kula$1.31M Paia$1.29M Haiku$1.28M

Full Urban Honolulu, HI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Urban Honolulu, HI metro.

View Urban Honolulu, HI metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Kailua, HI