Mortgage Rates in Village Park, Hawaii — March 2026
Updated March 2026 | Based on Village Park market data and regional lending conditions
Village Park is a growing city in Hawaii with a population of 11,730. The current 30-year fixed mortgage rate in Village Park is 6.68%, which is 0.03% above the national average. With a median home price of $627,000 and a 20% down payment of $125,400, homebuyers can expect a monthly principal and interest payment of approximately $3,230.
Current Mortgage Rates in Village Park, HI
Below are the current average mortgage rates available in the Village Park 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Village Park Housing Market Overview
The Village Park housing market is competitive with prices well above the national median. The median household income in Village Park is $68,600, and the cost of living index is 169.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $144,686 to comfortably afford the median-priced home in Village Park, which exceeds the current median household income.
Monthly Payment Breakdown for Village Park
Based on the median home price of $627,000 with 20% down ($125,400), here is what you can expect to pay monthly in Village Park:
15-Year vs. 30-Year Mortgage in Village Park
Choosing a 15-year mortgage in Village Park at 5.94% instead of a 30-year at 6.68% would save you $403,740 in total interest over the life of the loan. However, your monthly payment would be $4,217 instead of $3,230 — an increase of $987 per month.
Calculate Your Village Park 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 Village Park
What are the current mortgage rates in Village Park, HI?
As of March 2026, the average 30-year fixed mortgage rate in Village Park, Hawaii is 6.68%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Village Park?
Based on the median home price of $627,000 with 20% down, the estimated monthly mortgage payment in Village Park is $3,230 for principal and interest. Including property taxes of $146/month, the total monthly housing cost is approximately $3,376.
What income do I need to buy a home in Village Park?
Using the 28% rule, you would need an annual income of approximately $144,686 to afford the median-priced home in Village Park at $627,000. The median household income in Village Park is $68,600. This means most households would need to either earn above the median or consider homes below $627,000.
Is Village Park a good place to buy a home in 2026?
Village Park has a higher cost of living than average with a cost of living index of 169.4 (national average = 100). The property tax rate in Hawaii is 0.28%, which is below the national average. Village Park has a population of 11,730 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 Village Park, Hawaii area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.