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Kauai County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Kauai County, Hawaii based on real HMDA transaction records.

Loan Details

Kauai County, HI Benchmarks

FHA averages
Typical Property Value$770,357
Average Down Payment13.2%
Average Interest Rate6.180%
Effective Tax Rate0.25%
Median Tax Paid$1,866/yr
Tax Growth (Historical)-1.6%
Based on 84 regional loans totaling $52,340,000 (HMDA database).
$
%

$101,687 down · $668,670 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$160 / month

$

Annual premium

$

Per month

%

$283 / month

Estimated Monthly Payment

$4,752/mo

  • Principal & Interest$4,158
  • Property Tax$160
  • Home Insurance$150
  • FHA MIP$283
Amortization · Remaining Balance

Financed Loan Amount

$680,372

Total Interest

$816,594

Total of Payments

$1,496,966

*Includes financed FHA Upfront MIP of $11,702

Local Market Insights

Kauai County FHA Mortgage Overview

Kauai County’s FHA market shows a weighted average down payment of 13.22%, providing accessible entry for owner-occupants. However, with a median LTV of 86.78%, mandatory Mortgage Insurance Premiums (MIP) apply for the loan’s life, regardless of equity—ideal for buyers with sub-620 credit. The 0.25% effective property tax rate, with a -1.6% inflation-adjusted shift, slightly lowers true monthly affordability. When evaluating an FHA loan with PMI and taxes in Kauai County, HI, this low tax burden partially offsets the permanent MIP cost. For Kauai County FHA loan limits and tax considerations, this data reflects standard homebuyers, not investors.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.