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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Hawaii residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Hawaii, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. EWA Gentry, Hawaii
- Payment to income ratio: 50.0%
- Median sale price: $860,336
- Median household income: $131,755
- Income needed to buy: $219,698
- Median monthly mortgage payment: $5,492
- See homes for sale in EWA Gentry on

#2. EWA Beach, Hawaii
- Payment to income ratio: 53.8%
- Median sale price: $877,343
- Median household income: $124,958
- Income needed to buy: $224,041
- Median monthly mortgage payment: $5,601
- See homes for sale in EWA Beach on

#3. Kapolei, Hawaii
- Payment to income ratio: 55.2%
- Median sale price: $932,119
- Median household income: $129,260
- Income needed to buy: $238,028
- Median monthly mortgage payment: $5,951
- See homes for sale in Kapolei on

#4. Ocean Pointe, Hawaii
- Payment to income ratio: 58.1%
- Median sale price: $1,087,139
- Median household income: $143,394
- Income needed to buy: $277,615
- Median monthly mortgage payment: $6,940
- See homes for sale in Ocean Pointe on

#5. Mililani Town, Hawaii
- Payment to income ratio: 65.6%
- Median sale price: $1,062,890
- Median household income: $124,123
- Income needed to buy: $271,423
- Median monthly mortgage payment: $6,786
- See homes for sale in Mililani Town on

#6. Makakilo, Hawaii
- Payment to income ratio: 67.7%
- Median sale price: $1,065,294
- Median household income: $120,489
- Income needed to buy: $272,036
- Median monthly mortgage payment: $6,801
- See homes for sale in Makakilo on

#7. Pearl City, Hawaii
- Payment to income ratio: 68.3%
- Median sale price: $1,021,702
- Median household income: $114,682
- Income needed to buy: $260,905
- Median monthly mortgage payment: $6,523
- See homes for sale in Pearl City on

#8. Mililani Mauka, Hawaii
- Payment to income ratio: 69.2%
- Median sale price: $1,260,763
- Median household income: $139,564
- Income needed to buy: $321,952
- Median monthly mortgage payment: $8,049
- See homes for sale in Mililani Mauka on

#9. Waipahu, Hawaii
- Payment to income ratio: 73.9%
- Median sale price: $951,142
- Median household income: $98,633
- Income needed to buy: $242,886
- Median monthly mortgage payment: $6,072
- See homes for sale in Waipahu on

#10. Kaneohe, Hawaii
- Payment to income ratio: 75.3%
- Median sale price: $1,225,376
- Median household income: $124,632
- Income needed to buy: $312,916
- Median monthly mortgage payment: $7,823
- See homes for sale in Kaneohe on

#11. East Honolulu, Hawaii
- Payment to income ratio: 84.4%
- Median sale price: $1,744,893
- Median household income: $158,398
- Income needed to buy: $445,581
- Median monthly mortgage payment: $11,140
- See homes for sale in East Honolulu on

#12. Kailua, Hawaii
- Payment to income ratio: 86.1%
- Median sale price: $1,648,511
- Median household income: $146,615
- Income needed to buy: $420,969
- Median monthly mortgage payment: $10,524
- See homes for sale in Kailua on

#13. Kailua-Kona, Hawaii
- Payment to income ratio: 86.9%
- Median sale price: $983,831
- Median household income: $86,743
- Income needed to buy: $251,234
- Median monthly mortgage payment: $6,281
- See homes for sale in Kailua-Kona on

#14. Kaiminani, Hawaii
- Payment to income ratio: 87.3%
- Median sale price: $1,154,909
- Median household income: $101,320
- Income needed to buy: $294,921
- Median monthly mortgage payment: $7,373
- See homes for sale in Kaiminani on

#15. Halawa, Hawaii
- Payment to income ratio: 89.1%
- Median sale price: $1,197,138
- Median household income: $102,987
- Income needed to buy: $305,705
- Median monthly mortgage payment: $7,643
- See homes for sale in Halawa on

#16. Waimea, Hawaii
- Payment to income ratio: 89.1%
- Median sale price: $1,038,373
- Median household income: $89,268
- Income needed to buy: $265,162
- Median monthly mortgage payment: $6,629
- See homes for sale in Waimea on

#17. Honolulu, Hawaii
- Payment to income ratio: 120.7%
- Median sale price: $1,345,814
- Median household income: $85,428
- Income needed to buy: $343,671
- Median monthly mortgage payment: $8,592
- See homes for sale in Honolulu on