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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

Kualapuu, HI Housing Affordability Index

Kualapuu, Hawaii has an MBR Housing Affordability Index score of 141.5 (Highly Affordable) as of October 30, 2026, ranking 3rd most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $318,400 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $1,709, or 33% of the city’s $62,917 median household income.

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

Kualapuu MBR-HAI 141.5 Highly Affordable
Rank in Hawaii 3 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 $318,400 U.S. Census Bureau

Kualapuu is 72.2 points above the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Kualapuu Mortgage Rates

What It Takes to Buy in Kualapuu

$1,709/mo
Principal & Interest
Median home, 20% down, 7.08%
$73,200
Income Needed
To keep the payment at 28% of income
$62,917
Median Household Income
Hawaii: $100,389
5.1x
Price-to-Income Ratio
Hawaii: 8.4x
$461/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$593/yr
Median Property Tax
0.19% of median value
24.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
27.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Kualapuu Ranks in Hawaii

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Cite the Kualapuu Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Kualapuu, Hawaii score: 141.5 (Highly Affordable), ranked 3 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/kualapuu”