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.
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 | 79.7 | Moderately Less Affordable |
| 48 | Dist. of Columbia | 78.7 | Moderately Less Affordable |
| 49 | Massachusetts | 77.8 | Moderately Less Affordable |
| 50 | Hawaii You are here | 70.7 | Moderately Less Affordable |
| 51 | California | 68.4 | Significantly Less Affordable |
Showing states ranked near Hawaii · May 27, 2026 • View complete national rankings →
Download Hawaii HAI Data
2026-05-27,HI,70.7,100.0,6.202
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 70.7 on May 27, 2026, ranking #50 of 51 U.S. states for homeownership affordability and indicating moderately less affordable conditions relative to the national baseline. The state-level reading combines Hawaii's 30-year mortgage rate average of 6.202% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Hawaii's MonitorBankRates (MBR) Housing Affordability Index score of 70.7 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 6.202%, and the index lags the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Hawaii: 70.7 (Moderately Less Affordable), rank #50 of 51 states. 30-yr mortgage avg: 6.20%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/hawaii/
Housing affordability in Hawaii is currently sitting at 70.7 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 6.20% reflects moderately 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.
