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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

Paia, HI Housing Affordability Index

Paia, Hawaii has an MBR Housing Affordability Index score of 62.2 (Significantly Less Affordable) as of October 30, 2026, ranking 55th most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $1,003,400 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $5,386, or 64% of the city’s $100,559 median household income.

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

Paia MBR-HAI 62.2 Significantly Less Affordable
Rank in Hawaii 55 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 $1,003,400 U.S. Census Bureau

Paia is 7.1 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Paia Mortgage Rates

What It Takes to Buy in Paia

$5,386/mo
Principal & Interest
Median home, 20% down, 7.08%
$230,800
Income Needed
To keep the payment at 28% of income
$100,559
Median Household Income
Hawaii: $100,389
10.0x
Price-to-Income Ratio
Hawaii: 8.4x
$2,593/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,404/yr
Median Property Tax
Hawaii figure
44.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
61.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Paia Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Paia, Hawaii score: 62.2 (Significantly Less Affordable), ranked 55 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/paia”