Hawaii Housing Affordability Index
Hawaii’s MBR Housing Affordability Index score is 69.1 (Significantly Less Affordable) as of October 14, 2026, ranking 50th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $839,100 home in Hawaii with 20% down, the current 7.23% 30-year fixed rate means a monthly principal and interest payment of about $4,572, or 55% of the state’s $100,389 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with Hawaii outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
Hawaii Affordability Ranking
Hawaii MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · Hawaii
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Hawaii Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 46 states → | |||
| 47 | Oregon | 77.8 | Moderately Less Affordable |
| 48 | Dist. of Columbia | 77.3 | Moderately Less Affordable |
| 49 | Massachusetts | 76.1 | Moderately Less Affordable |
| 50 | Hawaii You are here | 69.1 | Significantly Less Affordable |
| 51 | California | 67.3 | Significantly Less Affordable |
Showing states ranked near Hawaii · October 14, 2026 • View complete national rankings →
Download Hawaii HAI Data
2026-10-14,HI,69.1,97.1,7.234
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Hawaii
Ready-to-publish sentences using today's Hawaii data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live Hawaii score. Free for editorial use with attribution to MonitorBankRates.
In Hawaii, the MonitorBankRates (MBR) Housing Affordability Index stood at 69.1 on October 14, 2026, ranking #50 of 51 U.S. states for homeownership affordability and indicating significantly less affordable conditions relative to the national baseline. The state-level reading combines Hawaii's 30-year mortgage rate average of 7.234% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Hawaii's MonitorBankRates (MBR) Housing Affordability Index score of 69.1 places it #50 of 51 nationwide. Below the 100 baseline, that means buyer purchasing power in Hawaii is weaker than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.234%, and the index lags the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Hawaii: 69.1 (Significantly Less Affordable), rank #50 of 51 states. 30-yr mortgage avg: 7.23%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/hawaii/
Housing affordability in Hawaii is currently sitting at 69.1 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #50 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Hawaii's 30-year mortgage rate of 7.23% reflects significantly less affordable conditions for local buyers. The state lags the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Hawaii homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Hawaii MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Hawaii metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
