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 6.76% (30-yr fixed), including Hawaii property tax and insurance. Data through 2026-07.

1. Hilo — typical home $566K, income to buy about $135,000/yr
2. Waianae — typical home $585K, income to buy about $139,000/yr
3. Honolulu — typical home $765K, income to buy about $182,000/yr
4. Ewa Beach — typical home $834K, income to buy about $198,000/yr
5. Kapolei — typical home $846K, income to buy about $201,000/yr
6. Wahiawa — typical home $862K, income to buy about $205,000/yr
7. Waipahu — typical home $870K, income to buy about $207,000/yr
8. Mililani — typical home $876K, income to buy about $208,000/yr
9. Wailuku — typical home $910K, income to buy about $216,000/yr
10. Pearl City — typical home $940K, income to buy about $223,000/yr
11. Kapaa — typical home $954K, income to buy about $227,000/yr
12. Lahaina — typical home $979K, income to buy about $233,000/yr
13. Kihei — typical home $1.01M, income to buy about $240,000/yr
14. Kahului — typical home $1.02M, income to buy about $242,000/yr
15. Kaneohe — typical home $1.09M, income to buy about $259,000/yr
16. Kailua — typical home $1.53M, income to buy about $364,000/yr

At the other end, Hawaii's priciest markets: Kailua ($364,000/yr), Kaneohe ($259,000/yr), Kahului ($242,000/yr), Kihei ($240,000/yr), Lahaina ($233,000/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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