Mortgage Rates in Kaanapali, Hawaii — March 2026
Updated March 2026 | Based on Kaanapali market data and regional lending conditions
Kaanapali is a growing city in Hawaii with a population of 1,295. The current 30-year fixed mortgage rate in Kaanapali is 6.76%, which is 0.11% above the national average. With a median home price of $571,000 and a 20% down payment of $114,200, homebuyers can expect a monthly principal and interest payment of approximately $2,966.
Current Mortgage Rates in Kaanapali, HI
Below are the current average mortgage rates available in the Kaanapali area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7.01% | 6.85% | +0.16% |
Kaanapali Housing Market Overview
The Kaanapali housing market is competitive with prices well above the national median. The median household income in Kaanapali is $67,900, and the cost of living index is 175.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $132,429 to comfortably afford the median-priced home in Kaanapali, which exceeds the current median household income.
Monthly Payment Breakdown for Kaanapali
Based on the median home price of $571,000 with 20% down ($114,200), here is what you can expect to pay monthly in Kaanapali:
15-Year vs. 30-Year Mortgage in Kaanapali
Choosing a 15-year mortgage in Kaanapali at 5.99% instead of a 30-year at 6.76% would save you $374,400 in total interest over the life of the loan. However, your monthly payment would be $3,852 instead of $2,966 — an increase of $886 per month.
Calculate Your Kaanapali Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Kaanapali
What are the current mortgage rates in Kaanapali, HI?
As of March 2026, the average 30-year fixed mortgage rate in Kaanapali, Hawaii is 6.76%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Kaanapali?
Based on the median home price of $571,000 with 20% down, the estimated monthly mortgage payment in Kaanapali is $2,966 for principal and interest. Including property taxes of $124/month, the total monthly housing cost is approximately $3,090.
What income do I need to buy a home in Kaanapali?
Using the 28% rule, you would need an annual income of approximately $132,429 to afford the median-priced home in Kaanapali at $571,000. The median household income in Kaanapali is $67,900. This means most households would need to either earn above the median or consider homes below $571,000.
Is Kaanapali a good place to buy a home in 2026?
Kaanapali has a higher cost of living than average with a cost of living index of 175.5 (national average = 100). The property tax rate in Hawaii is 0.26%, which is below the national average. Kaanapali has a population of 1,295 and offers a balanced lifestyle.
Mortgage Rates in Other Hawaii Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Kaanapali, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.