$50,000
16-2106 Bamboo Dr
Ainaloa, HI
Land12,000 sqft lot
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Ainaloa, HI Housing Market
Seller's market+19.1% YoY
Redfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The last median sale price Redfin published was $399,000, +19.1% year over year (through May 2026). With 1.5 months of supply and homes going under contract in about 83 days, Ainaloa is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $399,000 home is about $2,130/mo in principal and interest.
Key numbers for Ainaloa, HI
Median sale price
$399,000
+19.1% year over year
Redfin, through May 2026
Days on market
83
Slow-moving
Redfin, through May 2026
Active listings
38
1.5 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$51,757
Home costs 7.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.6%
Selling above asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Ainaloa a buyer's or seller's market?
Seller's market1.5 months of supply83 days on market100.6% of asking
Ainaloa, HI is a seller's market, based on 1.5 months of supply and homes selling in about 83 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Ainaloa housing market data show?
Every row below is Redfin's final published month for Ainaloa, HI. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $399,000 |
| Median list price | $369,000 |
| Year-over-year price change | +19.1% |
| Median price per sq ft | $341/sq ft |
| Median days on market | 83 days |
| Active inventory | 38 listings |
| Months of supply | 1.5 months |
| Sale-to-list price ratio | 100.6% |
| Homes sold (that month) | 25 |
| New listings (that month) | 15 |
| Listings with a price cut | 23.7% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Ainaloa is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Ainaloa is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Ainaloa home prices moved?
Over the last three years the median sale price in Ainaloa, HI rose 15.8%, from $344,500 to $399,000. 23.7% of Ainaloa listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 1.5 months while the sale-to-list ratio slips below its current 100.6%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Ainaloa?
Priced off the median sale price of $399,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $79,800 | $319,200 | $2,130/mo |
| 5% | $19,950 | $379,050 | $2,529/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,130, that implies roughly $91,289 a year before you add taxes and insurance. The median household in Ainaloa earns $51,757, about $39,532 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 7.7x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Ainaloa in the next 12 months?
Tell us your timeline. We send the Ainaloa market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Ainaloa?
Zillow does not publish a rent index (ZORI) for Ainaloa, HI, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Ainaloa?
Active listings in Ainaloa, HI went from 48 in May 2025 to 38 in May 2026, a -20.8% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 51 | 17 |
| July 2025 | 45 | 12 |
| August 2025 | 50 | 14 |
| September 2025 | 53 | 16 |
| October 2025 | 45 | 7 |
| November 2025 | 39 | 8 |
| December 2025 | 41 | 15 |
| January 2026 | 42 | 13 |
| February 2026 | 49 | 16 |
| March 2026 | 49 | 15 |
| April 2026 | 51 | 12 |
| May 2026 | 38 | 15 |
Redfin, through May 2026
How does Ainaloa compare to Hawaii and the U.S.?
Ainaloa homes sell for $399,000 — 46% below the Hawaii median of $741,300. Against the national median of $410,700, Ainaloa runs 3% lower. Year-over-year, Ainaloa moved +19.1% against Hawaii's -0.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Ainaloa, HI | $399,000 | +19.1% | 83 days |
| Hawaii statewide | $741,300 | -0.3% | 86 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Ainaloa
What buyers should watch
- Months of supply, currently 1.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 23.7%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $399 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $399,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Ainaloa listing goes under contract in 83 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.6% of asking. Price at the number you want and let competition do the rest.
- In the last published month Ainaloa added 15 new listings against 25 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Ainaloa varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Ainaloa
There are currently 38 homes listed for sale in Ainaloa, Hawaii. The median listing price is $369K. Featured listings range from $50,000 to $449,000.
$69,000
Hanale Dr
Ainaloa, HI
Land12,000 sqft lot
View photos & details
$70,000
Plumeria Dr
Ainaloa, HI
Land12,000 sqft lot
View photos & details
$79,000
Tree Fern Dr
Ainaloa, HI
Land12,000 sqft lot
View photos & details
$80,000
16-2035 Woodrose Dr
Ainaloa, HI
Land12,000 sqft lot
View photos & details
$360,000
16-2056 Gardenia Dr
Ainaloa, HI
3 bd2 ba940 sqft$383/ft²
House12,000 sqft lot
View photos & details
$375,000
16-2122 Aloha Dr
Ainaloa, HI
2 bd2 ba964 sqft$389/ft²
House12,000 sqft lot
View photos & details
$382,000
16-2099 Silversword Dr
Ainaloa, HI
3 bd2 ba1,212 sqft$315/ft²
House12,000 sqft lot
View photos & details
$389,000
16-2084 Coral Dr
Ainaloa, HI
3 bd2 ba1,185 sqft$328/ft²
House12,000 sqft lot
View photos & details
$398,000
16-2041 Uilani Dr
Ainaloa, HI
3 bd2 ba1,252 sqft$318/ft²
House12,000 sqft lot
View photos & details
$407,000
16-2083 Mauna Kea Dr
Ainaloa, HI
3 bd2 ba1,185 sqft$343/ft²
House12,000 sqft lot
View photos & details
$449,000
16-2043 Hanale Dr
Ainaloa, HI
3 bd2 ba1,560 sqft$288/ft²
House12,000 sqft lot
View photos & details
Looking to buy in Ainaloa?
Get connected with a local real estate expert — free, no obligation.
Active listings
38
Homes on market
Median list price
$369K
Avg. days on market
83
Days until sale
New this week
15
Newly listed
Price drops:23.7%of listings
Sale-to-list:100.6%
How much do homes cost in Ainaloa by property type?
How the Ainaloa, HI market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $399,000 | $341/sq ft | 25 | 83 days |
Who lives in Ainaloa?
American Community Survey estimates for Ainaloa. U.S. Census ACS, 2023
Population
3,493
Households
1,453
Median income
$51,757/yr
Median age
41.8 years
Owner-occupied
84.0%
Median home value
$222,300
Median gross rent
$1,364/mo
Mean commute
35.1 min
84.0% of occupied homes in Ainaloa are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Ainaloa, HI?
Ordered by distance from Ainaloa, not by size. Compare Ainaloa side by side with any of them.
Ainaloa housing market FAQ
Is Ainaloa a buyer's or seller's market?
Ainaloa, HI is currently a seller's market. That read comes from 1.5 months of supply, homes going under contract in about 83 days, and sellers getting 100.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Ainaloa?
The median sale price in the last month Redfin published was $399,000, about $341 per square foot.
Is Ainaloa cheaper than the rest of Hawaii?
Ainaloa's median sale price of $399,000 is 46% lower than the Hawaii statewide median of $741,300, and 3% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Ainaloa?
Homes in Ainaloa, HI spent a median of 83 days on market before going under contract, versus 86 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Ainaloa?
At the current 30-year fixed rate of 7.03%, 20% down on a $399,000 home is about $2,130 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $91,289 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $51,757.
Are home prices rising in Ainaloa?
Redfin's last published year-over-year change for Ainaloa, HI was +19.1%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Ainaloa?
Ainaloa ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Ainaloa?
That depends on your timeline, not on a headline. What the data says today: Ainaloa, HI is a seller's market with 1.5 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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