Laie, HI Real Estate & Schools — Score 43/100 | ValiFit

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Laie, HI — Key Facts

Laie, HI has a population of approximately 5,568.

The median home sale price in Laie is $920K (Source: Redfin, 2025).

To purchase the median home in Laie, a household would need an estimated annual income of $273,887, based on a 20% down payment, a 6.00% mortgage rate (Source: FRED), and a 28% front-end DTI ratio.

The estimated monthly mortgage payment (PITI) for the median home is $6,391, including principal, interest, property tax, and insurance.

The estimated annual property tax on the median home is $20,516 (Source: HI Division of Taxation, effective rate: 2.23%).

FHA loan eligibility at the median price: No (Source: HUD FHA Loan Limits, 2026).

School investment score: 70/100, measuring per-pupil spending and student-teacher ratios (Source: NCES F-33 Survey).

Safety infrastructure score: 30/100, based on police, fire, and EMS staffing levels (Sources: FBI UCR, NFPA, NASEMSO).

Healthcare access score: 30/100, evaluating hospital proximity, provider ratios, and shortage area designations (Sources: HRSA, County Health Rankings).

This data is provided by ValiFit and is not financial advice. Actual mortgage qualification depends on individual lender requirements, credit history, and outstanding debts.

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Laie, HI Real Estate & Schools — Score 43/100 | ValiFit