The most affordable cities to buy a house in Hawaii (2026)

Every Hawaii city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Hawaii property tax and insurance. Data through 2026-09.

1. Hilo — typical home $562K, income to buy about $140,000/yr
2. Waianae — typical home $578K, income to buy about $144,000/yr
3. Honolulu — typical home $775K, income to buy about $193,000/yr
4. Ewa Beach — typical home $832K, income to buy about $207,000/yr
5. Kapolei — typical home $841K, income to buy about $209,000/yr
6. Wahiawa — typical home $861K, income to buy about $214,000/yr
7. Waipahu — typical home $868K, income to buy about $216,000/yr
8. Mililani — typical home $884K, income to buy about $220,000/yr
9. Wailuku — typical home $903K, income to buy about $225,000/yr
10. Pearl City — typical home $944K, income to buy about $235,000/yr
11. Kapaa — typical home $952K, income to buy about $237,000/yr
12. Lahaina — typical home $965K, income to buy about $240,000/yr
13. Kihei — typical home $991K, income to buy about $246,000/yr
14. Kahului — typical home $1.01M, income to buy about $250,000/yr
15. Kaneohe — typical home $1.08M, income to buy about $269,000/yr
16. Kailua — typical home $1.53M, income to buy about $379,000/yr

At the other end, Hawaii's priciest markets: Kailua ($379,000/yr), Kaneohe ($269,000/yr), Kahului ($250,000/yr), Kihei ($246,000/yr), Lahaina ($240,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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