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 6.66% (30-yr fixed), including Hawaii property tax and insurance. Data through 2026-06.

1. Hilo — typical home $562K, income to buy about $132,000/yr
2. Waianae — typical home $584K, income to buy about $137,000/yr
3. Honolulu — typical home $768K, income to buy about $181,000/yr
4. Ewa Beach — typical home $837K, income to buy about $197,000/yr
5. Kapolei — typical home $850K, income to buy about $200,000/yr
6. Wahiawa — typical home $864K, income to buy about $203,000/yr
7. Waipahu — typical home $876K, income to buy about $206,000/yr
8. Mililani — typical home $887K, income to buy about $209,000/yr
9. Wailuku — typical home $912K, income to buy about $215,000/yr
10. Pearl City — typical home $944K, income to buy about $222,000/yr
11. Kapaa — typical home $969K, income to buy about $228,000/yr
12. Lahaina — typical home $990K, income to buy about $233,000/yr
13. Kahului — typical home $1.02M, income to buy about $240,000/yr
14. Kihei — typical home $1.02M, income to buy about $240,000/yr
15. Kaneohe — typical home $1.09M, income to buy about $258,000/yr
16. Kailua — typical home $1.55M, income to buy about $364,000/yr

At the other end, Hawaii's priciest markets: Kailua ($364,000/yr), Kaneohe ($258,000/yr), Kihei ($240,000/yr), Kahului ($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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