Cheapest rent-to-own markets in Hawaii.
Rent-to-own works best where monthly carrying costs are reachable on a typical household income. This ranks Hawaii by estimated monthly payment on a median-priced home with a 10% option fee.
Last updated
Hawaii ranking
27 cities ranked. Click any row for the matching local page.
| # | City | Est. monthly payment | Score | |
|---|---|---|---|---|
| 1 | Pahoa | $4,050/mo | 7 | View → |
| 2 | Honolulu | $9,063/mo | 0 | View → |
| 3 | Waipahu | $8,686/mo | 0 | View → |
| 4 | Ewa Beach | $8,670/mo | 0 | View → |
| 5 | Mililani | $9,015/mo | 0 | View → |
| 6 | Kaneohe | $8,887/mo | 0 | View → |
| 7 | Kailua | $9,248/mo | 0 | View → |
| 8 | Hilo | $6,665/mo | 0 | View → |
| 9 | Waianae | $6,296/mo | 0 | View → |
| 10 | Wahiawa | $6,432/mo | 0 | View → |
| 11 | Pearl City | $8,534/mo | 0 | View → |
| 12 | Kapolei | $9,007/mo | 0 | View → |
| 13 | Aiea | $8,831/mo | 0 | View → |
| 14 | Kailua Kona | $7,563/mo | 0 | View → |
| 15 | Wailuku | $8,438/mo | 0 | View → |
| 16 | Kihei | $8,037/mo | 0 | View → |
| 17 | Kahului | $7,964/mo | 0 | View → |
| 18 | Lahaina | $7,676/mo | 0 | View → |
| 19 | Kapaa | $6,761/mo | 0 | View → |
| 20 | Makawao | $7,323/mo | 0 | View → |
| 21 | Keaau | $4,548/mo | 0 | View → |
| 22 | Lihue | $7,259/mo | 0 | View → |
| 23 | Kamuela | $6,673/mo | 0 | View → |
| 24 | Haiku | $7,347/mo | 0 | View → |
| 25 | Waimanalo | $7,708/mo | 0 | View → |
| 26 | Kula | $7,812/mo | 0 | View → |
| 27 | Haleiwa | $7,988/mo | 0 | View → |
Methodology
Estimated monthly payment = (median home price × 0.9) amortized at 8% over 30 years + 1.2% taxes + 0.5% insurance, divided by 12. Lower payment = better rent-to-own market.
FAQ
- What makes a Hawaii rent-to-own market 'cheap'?
- Low estimated monthly payment relative to local incomes. Sub-$1,500/month markets are the most accessible.
- Are option fees included?
- We assume 10% option fee credited toward purchase; the monthly payment estimate excludes that up-front amount.
- Does this guarantee a home at this price?
- No. Listings vary; this is a market-level estimate to compare cities side-by-side.
Other reports for Hawaii
Best Cities for Owner Financing
Cities With Most FSBO Activity
Investor Competition by Market
Estimated Owner-Finance Down Payment by City
Cities With Most Cash Buyers
Foreclosure Risk by City
Most Affordable Cities for Buyers
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