Income needed to buy a home
Kauai County, HI
$319,211
a year in household income to buy the typical Kauai County home with 10% down.
The monthly math
Typical home value$1,018,601
Down payment (10%)$101,860
Loan$916,741
Principal and interest (7.40%)$6,347/mo
Property tax (0.25% a year)$210/mo
Homeowners insurance (estimate)$509/mo
Mortgage insurance$382/mo
Total monthly cost$7,448/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Out of reach
The typical household here earns $97,668 a year, 31% of what it takes.
In Hawaii
Kauai County ranks #4 of 4 for the income a home takes, from least to most.
Easiest to afford in Hawaii
| County | Typical home | Income needed |
|---|---|---|
| Hawaii County | $570,916 | $180,974 |
| Honolulu County | $856,332 | $270,133 |
| Maui County | $987,614 | $308,407 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.