The 17 most affordable cities in Hawaii to buy a house
Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many Hawaii residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.
But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.
To find out where these cities are, Redfin Real Estate ranked the most affordable cities in Hawaii, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.
#1. EWA Gentry, Hawaii
- Payment to income ratio: 50.0%
- Median sale price: $860,336
- Median household income: $131,755
- Income needed to buy: $219,698
- Median monthly mortgage payment: $5,492
- See homes for sale in EWA Gentry on Redfin.com
#2. EWA Beach, Hawaii
- Payment to income ratio: 53.8%
- Median sale price: $877,343
- Median household income: $124,958
- Income needed to buy: $224,041
- Median monthly mortgage payment: $5,601
- See homes for sale in EWA Beach on Redfin.com
#3. Kapolei, Hawaii
- Payment to income ratio: 55.2%
- Median sale price: $932,119
- Median household income: $129,260
- Income needed to buy: $238,028
- Median monthly mortgage payment: $5,951
- See homes for sale in Kapolei on Redfin.com
#4. Ocean Pointe, Hawaii
- Payment to income ratio: 58.1%
- Median sale price: $1,087,139
- Median household income: $143,394
- Income needed to buy: $277,615
- Median monthly mortgage payment: $6,940
- See homes for sale in Ocean Pointe on Redfin.com
#5. Mililani Town, Hawaii
- Payment to income ratio: 65.6%
- Median sale price: $1,062,890
- Median household income: $124,123
- Income needed to buy: $271,423
- Median monthly mortgage payment: $6,786
- See homes for sale in Mililani Town on Redfin.com
#6. Makakilo, Hawaii
- Payment to income ratio: 67.7%
- Median sale price: $1,065,294
- Median household income: $120,489
- Income needed to buy: $272,036
- Median monthly mortgage payment: $6,801
- See homes for sale in Makakilo on Redfin.com
#7. Pearl City, Hawaii
- Payment to income ratio: 68.3%
- Median sale price: $1,021,702
- Median household income: $114,682
- Income needed to buy: $260,905
- Median monthly mortgage payment: $6,523
- See homes for sale in Pearl City on Redfin.com
#8. Mililani Mauka, Hawaii
- Payment to income ratio: 69.2%
- Median sale price: $1,260,763
- Median household income: $139,564
- Income needed to buy: $321,952
- Median monthly mortgage payment: $8,049
- See homes for sale in Mililani Mauka on Redfin.com
#9. Waipahu, Hawaii
- Payment to income ratio: 73.9%
- Median sale price: $951,142
- Median household income: $98,633
- Income needed to buy: $242,886
- Median monthly mortgage payment: $6,072
- See homes for sale in Waipahu on Redfin.com
#10. Kaneohe, Hawaii
- Payment to income ratio: 75.3%
- Median sale price: $1,225,376
- Median household income: $124,632
- Income needed to buy: $312,916
- Median monthly mortgage payment: $7,823
- See homes for sale in Kaneohe on Redfin.com
#11. East Honolulu, Hawaii
- Payment to income ratio: 84.4%
- Median sale price: $1,744,893
- Median household income: $158,398
- Income needed to buy: $445,581
- Median monthly mortgage payment: $11,140
- See homes for sale in East Honolulu on Redfin.com
#12. Kailua, Hawaii
- Payment to income ratio: 86.1%
- Median sale price: $1,648,511
- Median household income: $146,615
- Income needed to buy: $420,969
- Median monthly mortgage payment: $10,524
- See homes for sale in Kailua on Redfin.com
#13. Kailua-Kona, Hawaii
- Payment to income ratio: 86.9%
- Median sale price: $983,831
- Median household income: $86,743
- Income needed to buy: $251,234
- Median monthly mortgage payment: $6,281
- See homes for sale in Kailua-Kona on Redfin.com
#14. Kaiminani, Hawaii
- Payment to income ratio: 87.3%
- Median sale price: $1,154,909
- Median household income: $101,320
- Income needed to buy: $294,921
- Median monthly mortgage payment: $7,373
- See homes for sale in Kaiminani on Redfin.com
#15. Halawa, Hawaii
- Payment to income ratio: 89.1%
- Median sale price: $1,197,138
- Median household income: $102,987
- Income needed to buy: $305,705
- Median monthly mortgage payment: $7,643
- See homes for sale in Halawa on Redfin.com
#16. Waimea, Hawaii
- Payment to income ratio: 89.1%
- Median sale price: $1,038,373
- Median household income: $89,268
- Income needed to buy: $265,162
- Median monthly mortgage payment: $6,629
- See homes for sale in Waimea on Redfin.com
#17. Honolulu, Hawaii
- Payment to income ratio: 120.7%
- Median sale price: $1,345,814
- Median household income: $85,428
- Income needed to buy: $343,671
- Median monthly mortgage payment: $8,592
- See homes for sale in Honolulu on Redfin.com
