salaryRent here is among the highest 10% in the country. A typical house costs about 7.6 years of household income, so buying is hard for most locals. Most homes (76.4%) are owned, so rentals can be hard to find.
How much money do I need?
To rent here comfortably, you should earn about $111,640 a year. That is $54 an hour at a full-time job.
Is rent cheaper than other Hawaii cities?
No. Rent here is more expensive than in most of Hawaii. It is number 35 of 57 cities from cheapest to most expensive.
How much do households earn in Kaneohe?
Share of households by yearly income. 50.6% of households earn $100,000 or more.
Rent by apartment size in Kaneohe
| Size | Kaneohe | U.S. average |
|---|---|---|
| 1 bedroom | $1,884 | $1,324 |
| 2 bedrooms | $2,239 | $1,509 |
| 3 bedrooms | $2,605 | $1,698 |
| 4 bedrooms | $2,841 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Kaneohe overall?
Everyday prices in Hawaii overall are 10% above the U.S. average (index 110.0, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Kaneohe, so the Hawaii figure is shown.
Taxes and bills in Kaneohe
Life in Kaneohe
Is it cheaper to rent or buy in Kaneohe?
Renting is cheaper right now: about $4,354 a month less.
Owning assumes a typical $1,029,700 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $102,970 for the down payment.
Frequently asked questions
What is the average rent in Kaneohe, HI?
Renting in Kaneohe costs a median of about $2,791 a month in 2026, including utilities. The Hawaii median is $2,544.
How much do I need to make to live in Kaneohe?
To keep rent under 30% of income, you need about $111,640 a year, or $54 an hour at a full-time job.
Is Kaneohe cheap or expensive?
Kaneohe is rated OK: rent takes 24.7% of the typical household income of $135,474. It ranks 35th cheapest of 57 Hawaii cities we track.
How much are property taxes in Kaneohe?
The median homeowner in Kaneohe pays $3,009 a year in property taxes, about 0.29% of the median home value.
Is Kaneohe more expensive than the national average?
Overall prices in Hawaii are 10% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Kaneohe?
The median home value in Kaneohe is $1,029,700, about 7.6 times the typical yearly household income.
37,355 people live in Kaneohe. Numbers are typical (middle) values.