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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

Kahuku, HI Housing Affordability Index

Kahuku, Hawaii has an MBR Housing Affordability Index score of 56.3 (Significantly Less Affordable) as of October 30, 2026, ranking 60th most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $910,000 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $4,885, or 78% of the city’s $75,066 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Kahuku 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.

Kahuku MBR-HAI 56.3 Significantly Less Affordable
Rank in Hawaii 60 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 $910,000 U.S. Census Bureau

Kahuku is 13.0 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Kahuku Mortgage Rates

What It Takes to Buy in Kahuku

$4,885/mo
Principal & Interest
Median home, 20% down, 7.08%
$209,300
Income Needed
To keep the payment at 28% of income
$75,066
Median Household Income
Hawaii: $100,389
12.1x
Price-to-Income Ratio
Hawaii: 8.4x
$2,345/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,575/yr
Median Property Tax
0.28% of median value
48.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
66.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Kahuku, Hawaii. The rate is the Hawaii average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Kahuku Ranks in Hawaii

Cities with similar scores
#57Hana57.3 #58Waialua57.0 #59Princeville56.8
#60Kahuku56.3
#61Kawela Bay55.0
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Cite the Kahuku Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kahuku, Hawaii score: 56.3 (Significantly Less Affordable), ranked 60 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/kahuku”