Market Overview
Home Prices in Kapaau, HI
The median home value in Kapaau, HI is $626,288 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.5% compared to a year ago and down 2.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kapaau are priced53% above average. Kapaau is part of the Hilo, HI metro area.
Over the past five years, Kapaau home values have risen by approximately18.8%, reflecting steady appreciation in this market.
Price History
Kapaau Home Price Trend
2020
$445,573
$446K
—
2021
$527,154
$527K
+18.3%
2022
$635,567
$636K
+20.6%
2023
$650,992
$651K
+2.4%
2024
$666,161
$666K
+2.3%
2025
$648,945
$649K
-2.6%
2026
$626,288
$626K
-3.5%
City Comparison
Kapaau vs. National Median
🏠 Kapaau
$626,288
National Median
$410,000
At $626,288, homes in Kapaau cost 53% above the national median of $410,000. Buyers in Kapaau should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Kapaau?
20% Down Payment
$125,258
on $626,288
Monthly P&I
$3,266/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,148/mo
incl. taxes & insurance
Income Needed
$165,920
gross annual (30% rule)
10% Down Option
$62,629
+ PMI applies
Loan Amount (20% dn)
$501,030
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Kapaau, HI?
The median home value in Kapaau is $626,288 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.5% year-over-year.
How much have home prices changed in Kapaau?
Over the past year, home values in Kapaau have decreased by 3.5%. Over five years, prices have risen approximately 18.8%.
How much do I need to earn to buy a home in Kapaau?
To comfortably afford the median home price of $626,288 with a 20% down payment ($125,258) at today's rates (6.8%), you'd need a gross annual income of approximately $165,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Kapaau compare to the national average home price?
The national median home value is approximately $410,000. At $626,288, homes in Kapaau are 53% above the national average.
What metro area is Kapaau part of?
Kapaau is part of the Hilo, HI metropolitan area. Home prices and market conditions can vary across the broader metro region.