Mortgage Rates in Lihue, Hawaii — March 2026
Updated March 2026 | Based on Lihue market data and regional lending conditions
Lihue is a growing city in Hawaii with a population of 7,571. The current 30-year fixed mortgage rate in Lihue is 6.75%, which is 0.1% above the national average. With a median home price of $666,000 and a 20% down payment of $133,200, homebuyers can expect a monthly principal and interest payment of approximately $3,456.
Current Mortgage Rates in Lihue, HI
Below are the current average mortgage rates available in the Lihue 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 | 6.75% | 6.65% | +0.1% |
| 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% | 6.85% | +0.15% |
Lihue Housing Market Overview
The Lihue housing market is competitive with prices well above the national median. The median household income in Lihue is $71,300, and the cost of living index is 173.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $154,757 to comfortably afford the median-priced home in Lihue, which exceeds the current median household income.
Monthly Payment Breakdown for Lihue
Based on the median home price of $666,000 with 20% down ($133,200), here is what you can expect to pay monthly in Lihue:
15-Year vs. 30-Year Mortgage in Lihue
Choosing a 15-year mortgage in Lihue at 5.99% instead of a 30-year at 6.75% would save you $435,420 in total interest over the life of the loan. However, your monthly payment would be $4,493 instead of $3,456 — an increase of $1,037 per month.
Calculate Your Lihue 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 Lihue
What are the current mortgage rates in Lihue, HI?
As of March 2026, the average 30-year fixed mortgage rate in Lihue, Hawaii is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Lihue?
Based on the median home price of $666,000 with 20% down, the estimated monthly mortgage payment in Lihue is $3,456 for principal and interest. Including property taxes of $155/month, the total monthly housing cost is approximately $3,611.
What income do I need to buy a home in Lihue?
Using the 28% rule, you would need an annual income of approximately $154,757 to afford the median-priced home in Lihue at $666,000. The median household income in Lihue is $71,300. This means most households would need to either earn above the median or consider homes below $666,000.
Is Lihue a good place to buy a home in 2026?
Lihue has a higher cost of living than average with a cost of living index of 173.5 (national average = 100). The property tax rate in Hawaii is 0.28%, which is below the national average. Lihue has a population of 7,571 and offers a balanced lifestyle.
Mortgage Rates in Other Hawaii Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lihue, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.