Market Overview
Home Prices in Waialua, HI
The median home value in Waialua, HI is $1,039,143 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.6% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waialua are priced153% above average. Waialua is part of the Urban Honolulu, HI metro area.
Over the past five years, Waialua home values have risen by approximately19.6%, reflecting steady appreciation in this market.
Price History
Waialua Home Price Trend
City Comparison
Waialua vs. National Median
At $1,039,143, homes in Waialua cost 153% above the national median of $410,000. Buyers in Waialua should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Waialua?
20% Down Payment
$207,829
on $1,039,143
Monthly P&I
$5,420/mo
30-yr @ 6.8%
Total Monthly Est.
~$6,883/mo
incl. taxes & insurance
Income Needed
$275,320
gross annual (30% rule)
10% Down Option
$103,914
+ PMI applies
Loan Amount (20% dn)
$831,314
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 Waialua, HI?
The median home value in Waialua is $1,039,143 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.6% year-over-year.
How much have home prices changed in Waialua?
Over the past year, home values in Waialua have increased by 0.6%. Over five years, prices have risen approximately 19.6%.
How much do I need to earn to buy a home in Waialua?
To comfortably afford the median home price of $1,039,143 with a 20% down payment ($207,829) at today's rates (6.8%), you'd need a gross annual income of approximately $275,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Waialua compare to the national average home price?
The national median home value is approximately $410,000. At $1,039,143, homes in Waialua are 153% above the national average.
What metro area is Waialua part of?
Waialua is part of the Urban Honolulu, HI metropolitan area. Home prices and market conditions can vary across the broader metro region.