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 7.03% (30-yr fixed), including Hawaii property tax and insurance. Data through 2026-08.

  1. Hilo — typical home $557K, income to buy about $136,000/yr
  2. Waianae — typical home $577K, income to buy about $141,000/yr
  3. Honolulu — typical home $777K, income to buy about $189,000/yr
  4. Ewa Beach — typical home $831K, income to buy about $203,000/yr
  5. Kapolei — typical home $841K, income to buy about $205,000/yr
  6. Wahiawa — typical home $860K, income to buy about $210,000/yr
  7. Waipahu — typical home $864K, income to buy about $211,000/yr
  8. Mililani — typical home $880K, income to buy about $214,000/yr
  9. Wailuku — typical home $911K, income to buy about $222,000/yr
  10. Pearl City — typical home $936K, income to buy about $228,000/yr
  11. Kapaa — typical home $954K, income to buy about $233,000/yr
  12. Lahaina — typical home $965K, income to buy about $235,000/yr
  13. Kihei — typical home $990K, income to buy about $241,000/yr
  14. Kahului — typical home $1.02M, income to buy about $249,000/yr
  15. Kaneohe — typical home $1.09M, income to buy about $266,000/yr
  16. Kailua — typical home $1.52M, income to buy about $371,000/yr

At the other end, Hawaii's priciest markets: Kailua ($371,000/yr), Kaneohe ($266,000/yr), Kahului ($249,000/yr), Kihei ($241,000/yr), Lahaina ($235,000/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.

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