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Kaneohe Real Estate Market Facts

  • $664,400Median home price
    23% higher than Hawaii
  • $1,824Median rent asked
    25% higher than Hawaii
  • 69.1%Home owners
    20% higher than Hawaii
  • 3.1People per home
    3% higher than Hawaii
A general overview of the Kaneohe, HI real estate market is displayed above. The median home price for homes in Kaneohe, HI is $664,400, which is 23% higher than the Hawaii average. This means that real estate in the Kaneohe, HI area is generally less affordable than the rest of Hawaii. The median rent price in Kaneohe, HI is $1,824 which is 25% higher than the Hawaii average. In Kaneohe, HI, 69.1% of people are home owners and an average of 3.1 people occupy each home. From luxury houses to affordable condos to urban townhomes, there are many different types of real estate in Kaneohe, HI. We make it easy to find Kaneohe, HI real estate listings and homes for sale by filtering location, price, bedrooms and bathrooms in the search area above.

Kaneohe Home Affordability

  • $664,400Median home price
    23% higher than Hawaii
  • $92,257Median home income
    28% higher than Hawaii
  • 7.2xHome price to income ratio
    4% lower than Hawaii
Home affordability can be a very important factor when determining where to purchase real estate in Kaneohe, HI. One method that can be used to calculate home affordability is the home price to median household income ratio. The median home price in Kaneohe, HI is $664,400 and the median household income is $92,257. This results in a home price to income ratio of 7.2x, which is 4% lower than the Hawaii average. The home affordability ratio is calculated by dividing the median home price by the median home income. A lower than average home price to income ratio means that homes in Kaneohe, HI are more affordable based on the median price of homes compared to home income. Of course, there are many other factors to consider when focusing on home affordability. Use the home affordability calculator below to see exactly how much you can afford to pay for real estate in Kaneohe, HI.

Kaneohe Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
When searching for real estate in Kaneohe, HI, it is important to find a home that fits comfortably within your budget. The home affordability calculator allows you to determine what price of home in Kaneohe, HI you can afford based on your income, debts and down payment. For an even more complete picture, you can add in further details such as: length of mortgage term, mortgage rate, property taxes, home insurance and HOA dues. This will estimate the costs of home ownership and display the home price that would fit within that budget. Knowing the price of home that you can afford in Kaneohe, HI before you begin the house hunting process will keep you from getting too emotionally invested in homes that you may not be able to afford. The home affordability calculator will also allow you to balance your budget, so you know exactly how much will be spent on housing and how much you will have left over for any other living expenses and savings.

Kaneohe Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
What will my monthly costs be if I purchase Kaneohe, HI real estate? There are many different variables that go into determining the monthly cost of a home. The biggest is obviously the home price. But after the actual price of the home you will also need to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). PMI payments can be avoided for homeowners that are able to put 20% or more towards a down payment. The mortgage calculator has preset default values for these details, but they may be adjusted to give you a more accurate monthly payment estimate. Keep in mind that a good rule of thumb is to keep the DTI (debt-to-income) ratio to no more than 36 percent. This means that no more than 36 percent of gross monthly income should go to paying all debts.

Kaneohe Demographics

  • 35,065Population
  • 5,371People / sq mile
  • 42.1Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Hickam Housing, HI8,954$0100%
Iroquois Point, HI3,967$0100%
Kaneohe Station, HI11,072$0100%
Waipio Acres, HI5,169$341,70085%
Waimalu, HI13,478$382,900107%
Kaneohe, HI35,065$664,400260%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Oregon City, OR35,057$269,20046%
Bettendorf, IA35,048$194,8005%
Orangevale, CA35,084$307,70067%
University City, MO35,042$240,90030%
Prattville, AL35,107$150,80018%
Kaneohe, HI35,065$664,400260%
Source: The Kaneohe, HI housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).
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