MonitorBankRates
☰
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

Kihei, HI Housing Affordability Index

Kihei, Hawaii has an MBR Housing Affordability Index score of 64.1 (Significantly Less Affordable) as of October 30, 2026, ranking 53rd most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $919,900 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $4,938, or 68% of the city’s $87,772 median household income.

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

Kihei MBR-HAI 64.1 Significantly Less Affordable
Rank in Hawaii 53 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 $919,900 U.S. Census Bureau

Kihei is 5.3 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Kihei Mortgage Rates

What It Takes to Buy in Kihei

$4,938/mo
Principal & Interest
Median home, 20% down, 7.08%
$211,600
Income Needed
To keep the payment at 28% of income
$87,772
Median Household Income
Hawaii: $100,389
10.5x
Price-to-Income Ratio
Hawaii: 8.4x
$2,414/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,926/yr
Median Property Tax
0.21% of median value
45.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
54.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Kihei Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kihei, Hawaii score: 64.1 (Significantly Less Affordable), ranked 53 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/kihei”