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

It takes about $147,000/yr to afford the typical Kapaau, HI home ($621K, -2.4% past year) at today's rates. Starter homes run around $490K. See if you can afford a house in Kapaau (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $147,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, HI property tax and insurance)
• Typical home value: $621K (Zillow ZHVI, 2026-07)
• 1-year change: -2.4%
• Bottom 35% of homes: $490K
• Top 35% of homes start around: $966K
• Median household income: $84K
• Price-to-income ratio: 7.4
• Estimated payment on the typical home: $3,224/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Waimea, HI — typical home $1.03M
• Waimea, HI — typical home $741K
• Kailua, HI — typical home $1.53M
• Kula, HI — typical home $1.32M
• Makawao, HI — typical home $1.11M
• Kihei, HI — typical home $1.01M

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.

i wanna buy a house .com — type a city, see its market, find out what you can afford.