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

It takes about $233,000/yr to afford the typical Kapaa, HI home ($954K, +2.4% past year) at today's rates. Starter homes run around $692K. See if you can afford a house in Kapaa (2026 data) — free, no signup.

Market snapshot (2026-08)

• Income needed to buy the typical home: about $233,000/yr (28% front-end ratio, 20% down, 7.03% 30-yr fixed, HI property tax and insurance)
• Typical home value: $954K (Zillow ZHVI, 2026-08)
• 1-year change: +2.4%
• Bottom 35% of homes: $692K
• Top 35% of homes start around: $1.36M
• Median household income: $89K
• Price-to-income ratio: 10.7
• Estimated payment on the typical home: $5,092/mo principal & interest (20% down, 7.03% 30-yr fixed)

Nearby housing markets

• Lihue, HI — typical home $876K
• Waianae, HI — typical home $577K
• Wahiawa, HI — typical home $860K
• Mililani, HI — typical home $880K
• Laie, HI — typical home $1.30M
• Kapolei, HI — typical home $841K

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.