Mortgage Rates in Kapolei, Hawaii — March 2026
Updated March 2026 | Based on Kapolei market data and regional lending conditions
Kapolei is a growing city in Hawaii with a population of 21,541. The current 30-year fixed mortgage rate in Kapolei is 6.53%, which is 0.12% below the national average. With a median home price of $785,000 and a 20% down payment of $157,000, homebuyers can expect a monthly principal and interest payment of approximately $3,982.
Current Mortgage Rates in Kapolei, HI
Below are the current average mortgage rates available in the Kapolei 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 | 6.53% | 6.65% | -0.12% |
| 15-Year Fixed | 5.77% | 5.89% | -0.12% |
| 5/1 ARM | 6.03% | 6.15% | -0.12% |
| FHA | 6.13% | 6.25% | -0.12% |
| VA | 5.93% | 6.05% | -0.12% |
| Jumbo | 6.73% | 6.85% | -0.12% |
Kapolei Housing Market Overview
The Kapolei housing market is competitive with prices well above the national median. The median household income in Kapolei is $92,250, 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 $178,500 to comfortably afford the median-priced home in Kapolei, which exceeds the current median household income.
Monthly Payment Breakdown for Kapolei
Based on the median home price of $785,000 with 20% down ($157,000), here is what you can expect to pay monthly in Kapolei:
15-Year vs. 30-Year Mortgage in Kapolei
Choosing a 15-year mortgage in Kapolei at 5.77% instead of a 30-year at 6.53% would save you $493,560 in total interest over the life of the loan. However, your monthly payment would be $5,222 instead of $3,982 — an increase of $1,240 per month.
Calculate Your Kapolei 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 Kapolei
What are the current mortgage rates in Kapolei, HI?
As of March 2026, the average 30-year fixed mortgage rate in Kapolei, Hawaii is 6.53%, while the 15-year fixed rate is 5.77%. FHA loans average 6.13% and VA loans 5.93%. These rates are 0.12% below the national average of 6.65%.
How much is a monthly mortgage payment in Kapolei?
Based on the median home price of $785,000 with 20% down, the estimated monthly mortgage payment in Kapolei is $3,982 for principal and interest. Including property taxes of $183/month, the total monthly housing cost is approximately $4,165.
What income do I need to buy a home in Kapolei?
Using the 28% rule, you would need an annual income of approximately $178,500 to afford the median-priced home in Kapolei at $785,000. The median household income in Kapolei is $92,250. This means most households would need to either earn above the median or consider homes below $785,000.
Is Kapolei a good place to buy a home in 2026?
Kapolei 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 0.28%, which is below the national average. Kapolei has a population of 21,541 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 Kapolei, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.