What income do you need to buy a house in Laie, HI?

It takes about $312,000/yr to afford the typical Laie, HI home ($1.31M, +5.6% past year) at today's rates. Starter homes run around $957K. See if you can afford a house in Laie (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $312,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, HI property tax and insurance)
• Typical home value: $1.31M (Zillow ZHVI, 2026-07)
• 1-year change: +5.6%
• Bottom 35% of homes: $957K
• Top 35% of homes start around: $2.11M
• Median household income: $125K
• Price-to-income ratio: 10.5
• Estimated payment on the typical home: $6,817/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Wahiawa, HI — typical home $862K
• Mililani, HI — typical home $876K
• Pearl City, HI — typical home $940K
• Aiea, HI — typical home $833K
• Kaneohe, HI — typical home $1.09M
• Waipahu, HI — typical home $870K

The most affordable cities to buy a house in Hawaii

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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