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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Haleiwa, HI Housing Affordability Index

Haleiwa, Hawaii has an MBR Housing Affordability Index score of 61.8 (Significantly Less Affordable) as of October 30, 2026, ranking 56th most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $1,091,700 home with 20% down, a jumbo loan at 7.33% means a monthly principal and interest payment of about $6,008, or 74% of the city’s $97,780 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Haleiwa is updated every night from live Hawaii mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Haleiwa MBR-HAI 61.8 Significantly Less Affordable
Rank in Hawaii 56 of 61 1 = most affordable
Hawaii 69.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.08% Hawaii lenders
Median home value $1,091,700 U.S. Census Bureau

Haleiwa is 7.5 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Haleiwa Mortgage Rates

What It Takes to Buy in Haleiwa

$6,008/mo
Principal & Interest
Median home, 20% down, 7.33% jumbo
$257,500
Income Needed
To keep the payment at 28% of income
$97,780
Median Household Income
Hawaii: $100,389
11.2x
Price-to-Income Ratio
Hawaii: 8.4x
$2,045/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,189/yr
Median Property Tax
0.20% of median value
47.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
62.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Haleiwa, Hawaii. The rate is the Hawaii average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Haleiwa Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Haleiwa, Hawaii score: 61.8 (Significantly Less Affordable), ranked 56 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/haleiwa”