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

It takes about $324,000/yr to afford the typical Paia, HI home ($1.30M, -0.5% past year) at today's rates. Starter homes run around $902K. See if you can afford a house in Paia (2026 data) — free, no signup.

Market snapshot (2026-09)

• Income needed to buy the typical home: about $324,000/yr (28% front-end ratio, 20% down, 7.24% 30-yr fixed, HI property tax and insurance)
• Typical home value: $1.30M (Zillow ZHVI, 2026-09)
• 1-year change: -0.5%
• Bottom 35% of homes: $902K
• Top 35% of homes start around: $3.25M
• Median household income: $101K
• Price-to-income ratio: 12.9
• Estimated payment on the typical home: $7,099/mo principal & interest (20% down, 7.24% 30-yr fixed)

Nearby housing markets

• Haiku, HI — typical home $1.28M
• Makawao, HI — typical home $1.10M
• Kahului, HI — typical home $1.01M
• Wailuku, HI — typical home $903K
• Kula, HI — typical home $1.32M
• Kihei, HI — typical home $991K

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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