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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

Pahala, HI Housing Affordability Index

Pahala, Hawaii has an MBR Housing Affordability Index score of 199.7 (Highly Affordable) as of October 30, 2026, ranking 1st most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $224,500 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $1,205, or 20% of the city’s $71,518 median household income.

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

Pahala MBR-HAI 199.7 Highly Affordable
Rank in Hawaii 1 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 $224,500 U.S. Census Bureau

Pahala is 130.4 points above the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Pahala Mortgage Rates

What It Takes to Buy in Pahala

$1,205/mo
Principal & Interest
Median home, 20% down, 7.08%
$51,600
Income Needed
To keep the payment at 28% of income
$71,518
Median Household Income
Hawaii: $100,389
3.1x
Price-to-Income Ratio
Hawaii: 8.4x
$955/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$281/yr
Median Property Tax
0.13% of median value
32.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
27.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Pahala Ranks in Hawaii

Cities with similar scores
#1Pahala199.7
#2Anahola158.8 #3Kualapuu141.5 #4Lanai City135.6
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Cite the Pahala Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Pahala, Hawaii score: 199.7 (Highly Affordable), ranked 1 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/pahala”