The median home in Waialua, Hawaii is valued at $990,224, down 1.1% year over year. Typical monthly rent is $2,995, producing a price-to-rent ratio of 27.6x — well above the national average of 18x. Waialua is part of the Urban Honolulu, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$990,224

-1.1%

Rent$2,995/mo

Prices falling — better for buyers.

Affordability

Enter your income for Waialua.

Income (annual)

Down Payment

$198,045 on $990,224

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

Out of reach85.4% of income

Need $228,771/yr to afford.

PITI$5,338

P/I85.4%

Afford$325K

Gap-$666K

P&I $5,007Tax $231Ins $100

Renting $2,343/mo cheaper ($2,995 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 Waialua 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 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.

Waialua, HI