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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

Kapaau, HI Housing Affordability Index

Kapaau, Hawaii has an MBR Housing Affordability Index score of 90.4 (Near National Average) as of October 30, 2026, ranking 20th most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $660,900 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $3,547, or 51% of the city’s $83,750 median household income.

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

Kapaau MBR-HAI 90.4 Near National Average
Rank in Hawaii 20 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 $660,900 U.S. Census Bureau

Kapaau is 21.1 points above the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Kapaau Mortgage Rates

What It Takes to Buy in Kapaau

$3,547/mo
Principal & Interest
Median home, 20% down, 7.08%
$152,000
Income Needed
To keep the payment at 28% of income
$83,750
Median Household Income
Hawaii: $100,389
7.9x
Price-to-Income Ratio
Hawaii: 8.4x
$893/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,254/yr
Median Property Tax
0.19% of median value
47.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Kapaau Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kapaau, Hawaii score: 90.4 (Near National Average), ranked 20 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/kapaau”