Hawaii Affordability
How affordable is Hawaii real estate?
Public Record + Census ACS
Median Home Price
$1.1M
Median Household Income
$94,814
Affordability Index
11.56
vs National Avg
+69.5%
Cities in Hawaii by Affordability
| # | City | Median Price | Index |
|---|---|---|---|
| 1 | Pahoa | $32K | 0.34 |
| 2 | Kahului | $145K | 1.53 |
| 3 | Kaunakakai | $177.5K | 1.87 |
| 4 | Volcano | $194K | 2.05 |
| 5 | Aiea | $366.9K | 3.87 |
| 6 | Pearl City | $375K | 3.96 |
| 7 | Waialua | $483K | 5.09 |
| 8 | Wailuku | $502.5K | 5.30 |
| 9 | Maunaloa | $520K | 5.48 |
| 10 | Mililani | $546.7K | 5.77 |
| 11 | Waianae | $614.1K | 6.48 |
| 12 | Koloa | $615K | 6.49 |
| 13 | Hilo | $662.5K | 6.99 |
| 14 | Hauula | $676.3K | 7.13 |
| 15 | Princeville | $700K | 7.38 |
| 16 | Kaneohe | $717.5K | 7.57 |
| 17 | Papaikou | $785K | 8.28 |
| 18 | Ewa Beach | $852.9K | 9.00 |
| 19 | Kailua Kona | $950K | 10.02 |
| 20 | Waipahu | $1M | 10.60 |
| 21 | Kapolei | $1.06M | 11.22 |
| 22 | Kamuela | $1.1M | 11.61 |
| 23 | Lahaina | $1.16M | 12.25 |
| 24 | Honolulu | $1.2M | 12.66 |
| 25 | Kihei | $1.33M | 14.03 |
| 26 | Waikoloa | $1.4M | 14.77 |
| 27 | Haiku | $1.77M | 18.66 |
| 28 | Kahuku | $2.33M | 24.59 |
| 29 | Holualoa | $2.4M | 25.31 |
| 30 | Kailua | $2.47M | 26.07 |
Methodology
Affordability index = local median home price ÷ state median household income. A value of 4.0 means homes cost 4x annual income (roughly the historical "rule of thumb" ceiling). Higher values = less affordable.
Income figures: US Census Bureau, ACS 5-year estimates (state level). Sale prices: MarketTimeline public-record SOLD events, last 12 months.