The median home in Kapaau, Hawaii is valued at $598,454, down 4.9% year over year. Kapaau is part of the Hilo, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$598,454

-4.9%

Prices falling — better for buyers.

Affordability

Enter your income for Kapaau.

Income (annual)

Down Payment

$119,691 on $598,454

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

Out of reach52.3% of income

Need $139,971/yr to afford.

PITI$3,266

P/I52.3%

Afford$321K

Gap-$278K

P&I $3,026Tax $140Ins $100

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 Kapaau with other housing markets across Hawaii.

Hanalei$3.2M Puako$2.15M Kilauea$1.71M Haleiwa$1.61M Kailua$1.47M Princeville$1.4M Kula$1.31M Paia$1.29M

Full Hilo, HI analysis

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

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Kapaau, HI