The median home in Waikoloa, Hawaii is valued at $830,093, down 0.4% year over year. Typical monthly rent is $3,800, producing a price-to-rent ratio of 18.2x — near the national average of 18x. Waikoloa is part of the Hilo, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$830,093

-0.4%

Rent$3,800/mo

Prices falling — better for buyers.

Affordability

Enter your income for Waikoloa.

Income (annual)

Down Payment

$166,019 on $830,093

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

Out of reach71.9% of income

Need $192,471/yr to afford.

PITI$4,491

P/I71.9%

Afford$323K

Gap-$507K

P&I $4,197Tax $194Ins $100

Renting $691/mo cheaper ($3,800 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 Waikoloa 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.

View Hilo, HI metro

Weekly briefing

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

Waikoloa, HI