Mortgage Rates in Royal Kunia, Hawaii — March 2026
Updated March 2026 | Based on Royal Kunia market data and regional lending conditions
Royal Kunia is a growing city in Hawaii with a population of 14,525. The current 30-year fixed mortgage rate in Royal Kunia is 6.64%, which is 0.01% below the national average. With a median home price of $762,000 and a 20% down payment of $152,400, homebuyers can expect a monthly principal and interest payment of approximately $3,909.
Current Mortgage Rates in Royal Kunia, HI
Below are the current average mortgage rates available in the Royal Kunia 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Royal Kunia Housing Market Overview
The Royal Kunia housing market is competitive with prices well above the national median. The median household income in Royal Kunia is $70,900, and the cost of living index is 170.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $175,414 to comfortably afford the median-priced home in Royal Kunia, which exceeds the current median household income.
Monthly Payment Breakdown for Royal Kunia
Based on the median home price of $762,000 with 20% down ($152,400), here is what you can expect to pay monthly in Royal Kunia:
15-Year vs. 30-Year Mortgage in Royal Kunia
Choosing a 15-year mortgage in Royal Kunia at 5.9% instead of a 30-year at 6.64% would save you $487,260 in total interest over the life of the loan. However, your monthly payment would be $5,111 instead of $3,909 — an increase of $1,202 per month.
Calculate Your Royal Kunia 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 Royal Kunia
What are the current mortgage rates in Royal Kunia, HI?
As of March 2026, the average 30-year fixed mortgage rate in Royal Kunia, Hawaii is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Royal Kunia?
Based on the median home price of $762,000 with 20% down, the estimated monthly mortgage payment in Royal Kunia is $3,909 for principal and interest. Including property taxes of $184/month, the total monthly housing cost is approximately $4,093.
What income do I need to buy a home in Royal Kunia?
Using the 28% rule, you would need an annual income of approximately $175,414 to afford the median-priced home in Royal Kunia at $762,000. The median household income in Royal Kunia is $70,900. This means most households would need to either earn above the median or consider homes below $762,000.
Is Royal Kunia a good place to buy a home in 2026?
Royal Kunia has a higher cost of living than average with a cost of living index of 170.6 (national average = 100). The property tax rate in Hawaii is 0.29%, which is below the national average. Royal Kunia has a population of 14,525 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 Royal Kunia, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.