Hawaii Housing Affordability Index

Daily affordability score for Hawaii compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Hawaii

98.7

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #38 of 51 states

vs. National Average -1.9 points

30-yr Rate Used 6.051%

Median Home Value $839,100

Median Household Income $100,389

View all state rankings →

Hawaii Affordability Ranking

#38 of 51 states — April 10, 2026 Less affordable than average

Most Affordable Least Affordable

More affordable than: 13 of 51 states (25%)

Less affordable than: 37 of 51 states (73%)

MBR-HAI Score: 98.7 vs. national 100.6 (-1.9 points)

Nearby States

↑ 35 more affordable states above

#36 FL 99.9

#37 NV 98.9

#38 Hawaii ◀ 98.7

#39 CO 98.4

#40 MD 97.6

↓ 11 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Hawaii MBR-HAI — 90-Day Trend

Hawaii

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Hawaii

$839,100

Median Home Value

U.S. median: varies by state

$100,389

Median Household Income

U.S. median: $80,734

8.4x

Price-to-Income Ratio

Home value ÷ income

$1,987/mo

Median Owner Costs

23.8% of income annually

$2,404/yr

Median Property Tax

0.29% effective rate

60.1%

Homeownership Rate

U.S. average: 65.7%

40.1%

Owner Cost Burden

% spending 30%+ of income on housing

6.051%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Hawaii Ranks Among All States

#38

of 51 states

Least Affordable Most Affordable

Hawaii is more affordable than 26% of U.S. states — Near National Average

98.7

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 34 states →
35	Maine	100.2	Near National Average
36	Florida	99.9	Near National Average
37	Nevada	98.9	Near National Average
38	Hawaii You are here	98.7	Near National Average
39	Colorado	98.4	Near National Average
40	Maryland	97.6	Near National Average
41	Vermont	97.3	Near National Average
▼ See all 51 state rankings →

Showing states ranked near Hawaii — April 10, 2026 • View complete national rankings →

Download Hawaii HAI Data

Hawaii History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,HI,98.7,100.6,6.051                

Download HI History (CSV)

All 51 States (CSV)

Compare Hawaii to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Hawaii ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Hawaii Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Hawaii.