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.
See the full metro analysis: Urban Honolulu, HI stress score, crash risk, and 12-month forecast →
Home Value$990,224
-1.1%
Rent$2,995/mo
AFFORDABILITYRenting $2,343/mo cheaper ($2,995 rent)6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.
Enter your income for Waialua.
$198,045 on $990,224
Out of reach — 85.4% of income
Need $228,771/yr to afford.
PITI$5,338
P/I85.4%
Afford$325K
Gap-$666K
P&I $5,007Tax $231Ins $100
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Hawaii
Compare Waialua with other housing markets across Hawaii.
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 →