Market Overview
Home Prices in Waikoloa, HI
The median home value in Waikoloa, HI is $850,018 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.2% compared to a year ago and down 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waikoloa are priced107% above average. Waikoloa is part of the Hilo, HI metro area.
Over the past five years, Waikoloa home values have risen by approximately45.1%, reflecting strong long-term appreciation in this market.
Price History
Waikoloa Home Price Trend
City Comparison
Waikoloa vs. National Median
At $850,018, homes in Waikoloa cost 107% above the national median of $410,000. Buyers in Waikoloa should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Waikoloa?
20% Down Payment
$170,004
on $850,018
Monthly P&I
$4,433/mo
30-yr @ 6.8%
Total Monthly Est.
~$5,630/mo
incl. taxes & insurance
Income Needed
$225,200
gross annual (30% rule)
10% Down Option
$85,002
+ PMI applies
Loan Amount (20% dn)
$680,014
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 Waikoloa, HI?
The median home value in Waikoloa is $850,018 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.2% year-over-year.
How much have home prices changed in Waikoloa?
Over the past year, home values in Waikoloa have increased by 0.2%. Over five years, prices have risen approximately 45.1%.
How much do I need to earn to buy a home in Waikoloa?
To comfortably afford the median home price of $850,018 with a 20% down payment ($170,004) at today's rates (6.8%), you'd need a gross annual income of approximately $225,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Waikoloa compare to the national average home price?
The national median home value is approximately $410,000. At $850,018, homes in Waikoloa are 107% above the national average.
What metro area is Waikoloa part of?
Waikoloa is part of the Hilo, HI metropolitan area. Home prices and market conditions can vary across the broader metro region.