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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

Waialua, HI Housing Affordability Index

Waialua, Hawaii has an MBR Housing Affordability Index score of 57.0 (Significantly Less Affordable) as of October 30, 2026, ranking 58th most affordable of 61 scored Hawaii cities, compared with 69.3 statewide and 97.4 nationally. On a median-priced $997,200 home with 20% down, the Hawaii average 30-year fixed rate of 7.08% means a monthly principal and interest payment of about $5,353, or 73% of the city’s $88,269 median household income.

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

Waialua MBR-HAI 57.0 Significantly Less Affordable
Rank in Hawaii 58 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 $997,200 U.S. Census Bureau

Waialua is 12.3 points below the Hawaii score. Scores as of October 30, 2026. See the Hawaii index

View Waialua Mortgage Rates

What It Takes to Buy in Waialua

$5,353/mo
Principal & Interest
Median home, 20% down, 7.08%
$229,400
Income Needed
To keep the payment at 28% of income
$88,269
Median Household Income
Hawaii: $100,389
11.3x
Price-to-Income Ratio
Hawaii: 8.4x
$2,394/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,453/yr
Median Property Tax
0.35% of median value
45.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Waialua Ranks in Hawaii

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Cite the Waialua Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Waialua, Hawaii score: 57.0 (Significantly Less Affordable), ranked 58 of 61 Hawaii cities. monitorbankrates.com/housing-affordability-index/hawaii/waialua”