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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

Wahiawa, HI Housing Affordability Index

Wahiawa, Hawaii has an MBR Housing Affordability Index score of 66.2 (Significantly Less Affordable) as of October 30, 2026, ranking 51st most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $806,200 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $4,327, or 60% of the city’s $87,143 median household income.

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

Wahiawa MBR-HAI 66.2 Significantly Less Affordable
Rank in Hawaii 51 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 $806,200 U.S. Census Bureau

Wahiawa is 3.1 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Wahiawa Mortgage Rates

See What You Can Afford in Wahiawa, Hawaii

Use this Wahiawa, Hawaii home affordability calculator to see how much house you can afford at today’s Hawaii average 30-year mortgage rate of 7.08%. A household earning the Wahiawa median income of $87,143, with no other debts and $161,000 down, can afford a home of about $423,066, compared with a median home value of $806,200. Buying the median priced home with 20% down takes a household income of about $207,900 once property tax and insurance are counted.

Wahiawa median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Hawaii average, 30-year fixed
Wahiawa median bill (Census)
Estimate; use your quote
You can afford a home up to
$423,066
Below the Wahiawa median home value of $806,200
Loan amount$262,066
Principal & interest$1,758/mo
Property tax$99/mo
Home insurance$176/mo
PMI$0/mo
Total monthly payment$2,033/mo
Compare Wahiawa Mortgage Rates

How much house can you afford in Wahiawa?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Wahiawa, property taxes run about 0.28% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $5,893 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Wahiawa

$4,327/mo
Principal & Interest
Median home, 20% down, 7.08%
$185,500
Income Needed
To keep principal and interest at 28% of income
$87,143
Median Household Income
Hawaii: $100,389
9.3x
Price-to-Income Ratio
Hawaii: 8.4x
$1,989/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,252/yr
Median Property Tax
0.28% of median value
37.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
58.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Wahiawa Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Wahiawa, Hawaii score: 66.2 (Significantly Less Affordable), ranked 51 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/wahiawa”