The median home in Wailuku, Hawaii is valued at $911,468, down 5.2% year over year. Typical monthly rent is $2,810, producing a price-to-rent ratio of 27x — well above the national average of 18x. Wailuku is part of the Kahului-Wailuku-Lahaina, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$911,468

-5.2%

Rent$2,810/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$182,294 on $911,468

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

Out of reach78.8% of income

Need $210,943/yr to afford.

PITI$4,922

P/I78.8%

Afford$324K

Gap-$587K

P&I $4,609Tax $213Ins $100

Renting $2,112/mo cheaper ($2,810 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 Wailuku 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 Kahului-Wailuku-Lahaina, HI analysis

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

View Kahului-Wailuku-Lahaina, HI metro

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Wailuku, HI