Mortgage Rates in Kihei, Hawaii — March 2026
Updated March 2026 | Based on Kihei market data and regional lending conditions
Kihei is a growing city in Hawaii with a population of 22,749. The current 30-year fixed mortgage rate in Kihei is 6.53%, which is 0.12% below the national average. With a median home price of $895,000 and a 20% down payment of $179,000, homebuyers can expect a monthly principal and interest payment of approximately $4,540.
Current Mortgage Rates in Kihei, HI
Below are the current average mortgage rates available in the Kihei 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% |
Kihei Housing Market Overview
The Kihei housing market is competitive with prices well above the national median. The median household income in Kihei is $68,250, and the cost of living index is 178.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $203,529 to comfortably afford the median-priced home in Kihei, which exceeds the current median household income.
Monthly Payment Breakdown for Kihei
Based on the median home price of $895,000 with 20% down ($179,000), here is what you can expect to pay monthly in Kihei:
15-Year vs. 30-Year Mortgage in Kihei
Choosing a 15-year mortgage in Kihei at 5.77% instead of a 30-year at 6.53% would save you $562,860 in total interest over the life of the loan. However, your monthly payment would be $5,953 instead of $4,540 — an increase of $1,413 per month.
Calculate Your Kihei 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 Kihei
What are the current mortgage rates in Kihei, HI?
As of March 2026, the average 30-year fixed mortgage rate in Kihei, 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 Kihei?
Based on the median home price of $895,000 with 20% down, the estimated monthly mortgage payment in Kihei is $4,540 for principal and interest. Including property taxes of $209/month, the total monthly housing cost is approximately $4,749.
What income do I need to buy a home in Kihei?
Using the 28% rule, you would need an annual income of approximately $203,529 to afford the median-priced home in Kihei at $895,000. The median household income in Kihei is $68,250. This means most households would need to either earn above the median or consider homes below $895,000.
Is Kihei a good place to buy a home in 2026?
Kihei has a higher cost of living than average with a cost of living index of 178.5 (national average = 100). The property tax rate in Hawaii is 0.28%, which is below the national average. Kihei has a population of 22,749 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 Kihei, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.