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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

Kapaa, HI Housing Affordability Index

Kapaa, Hawaii has an MBR Housing Affordability Index score of 71.7 (Moderately Less Affordable) as of October 30, 2026, ranking 40th most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $861,300 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $4,623, or 62% of the city’s $89,477 median household income.

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

Kapaa MBR-HAI 71.7 Moderately Less Affordable
Rank in Hawaii 40 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 $861,300 U.S. Census Bureau

Kapaa is 2.3 points above the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Kapaa Mortgage Rates

What It Takes to Buy in Kapaa

$4,623/mo
Principal & Interest
Median home, 20% down, 7.08%
$198,100
Income Needed
To keep the payment at 28% of income
$89,477
Median Household Income
Hawaii: $100,389
9.6x
Price-to-Income Ratio
Hawaii: 8.4x
$1,401/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,955/yr
Median Property Tax
0.23% of median value
40.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Kapaa Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kapaa, Hawaii score: 71.7 (Moderately Less Affordable), ranked 40 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/kapaa”