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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

Kawela Bay, HI Housing Affordability Index

Kawela Bay, Hawaii has an MBR Housing Affordability Index score of 55.0 (Significantly Less Affordable) as of October 30, 2026, ranking 61st most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $912,700 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $4,899, or 79% of the city’s $74,205 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Kawela Bay 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.

Kawela Bay MBR-HAI 55.0 Significantly Less Affordable
Rank in Hawaii 61 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 $912,700 U.S. Census Bureau

Kawela Bay is 14.4 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Kawela Bay Mortgage Rates

What It Takes to Buy in Kawela Bay

$4,899/mo
Principal & Interest
Median home, 20% down, 7.08%
$210,000
Income Needed
To keep the payment at 28% of income
$74,205
Median Household Income
Hawaii: $100,389
12.3x
Price-to-Income Ratio
Hawaii: 8.4x
$2,434/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,561/yr
Median Property Tax
0.28% of median value
60.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
73.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Kawela Bay Ranks in Hawaii

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

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kawela Bay, Hawaii score: 55.0 (Significantly Less Affordable), ranked 61 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/kawela-bay”