The Home Buyer's Korner

Information presented should be used for educational purposes only.

August 21st, 2015

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Waialua, Hawaii

WaialuaWaialua is a very small coastal town on the ocean located in the state of Hawaii. With a population of 3,860 people and two constituent neighborhoods, Waialua is the 33rd largest community in Hawaii.

Housing costs in Waialua are among some of the highest in the nation, although real estate prices here don’t compare to real estate prices in the most expensive communities in Hawaii.

Unlike some towns where white-collar or blue-collar occupations dominate the local economy, Waialua is neither predominantly one nor the other. Instead, it has a mixed workforce of both white- and blue-collar jobs. Overall, Waialua is a town of professionals, sales and office workers and service providers. There are especially a lot of people living in Waialua who work in management occupations 13.16 percent, sales jobs at 11.28 percent and teaching 9.09 percent.

There are many members of the armed forces living in Waialua. You will notice when you visit or live here that some of the people you meet or see around town are employed by the armed services – even if they are not always in uniform.

In terms of college education, Waialua is somewhat better educated than the 21.84 percent who have a 4-year degree or higher in the typical US community: 26.06 percent of adults 25 and older in the town have at least a bachelor’s degree.

The per capita income in Waialua in 2010 was $26,963, which is upper middle income relative to Hawaii and the nation. This equates to an annual income of $107,852 for a family of four. However, Waialua contains both very wealthy and poor people as well.

Waialua is an extremely ethnically-diverse town. The people who call Waialua home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Waialua residents report their race to be Asian, followed by White. Important ancestries of people in Waialua include Italian, German, Portuguese, Irish and English.

In addition, Waialua has a lot of people living here who were born outside of the US at 18.74 percent.

The languages spoken by people in Waialua are also diverse. These are tabulated as the languages people preferentially speak when they are at home with their families. The most common language spoken in Waialua is English. Other important languages spoken here include Pacific Island languages, Tagalog, Portuguese and Japanese.


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FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks


The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase


Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase


Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen, you will have the option

to “Create A Printable PDF of the Presentation”.


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