What's a healthy ratio in Hawaii?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority HI

Most affordable cities for home buyers in Hawaii.

Affordability = how many years of household income buys the median home. This ranks Hawaii cities by price-to-income ratio (lower = more affordable).

Last updated September 2026

Hawaii ranking

27 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio
1	Honolulu	12.8x income	View →
2	Waipahu	11.4x income	View →
3	Ewa Beach	11.4x income	View →
4	Mililani	10.7x income	View →
5	Kaneohe	10.9x income	View →
6	Kailua	10.3x income	View →
7	Hilo	12.0x income	View →
8	Waianae	12.0x income	View →
9	Wahiawa	12.0x income	View →
10	Pearl City	11.7x income	View →
11	Kapolei	10.7x income	View →
12	Aiea	11.0x income	View →
13	Kailua Kona	12.0x income	View →
14	Wailuku	12.0x income	View →
15	Kihei	12.0x income	View →
16	Kahului	12.0x income	View →
17	Lahaina	10.9x income	View →
18	Kapaa	11.0x income	View →
19	Makawao	10.9x income	View →
20	Keaau	11.0x income	View →
21	Lihue	10.9x income	View →
22	Pahoa	12.0x income	View →
23	Kamuela	10.9x income	View →
24	Haiku	10.9x income	View →
25	Waimanalo	10.9x income	View →
26	Kula	10.7x income	View →
27	Haleiwa	10.3x income	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Hawaii?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.