Income needed to buy a home
Hawaii County, HI
$180,974
a year in household income to buy the typical Hawaii County home with 10% down.
The monthly math
Typical home value$570,916
Down payment (10%)$57,092
Loan$513,824
Principal and interest (7.40%)$3,558/mo
Property tax (0.35% a year)$166/mo
Homeowners insurance (estimate)$285/mo
Mortgage insurance$214/mo
Total monthly cost$4,223/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Out of reach
The typical household here earns $78,639 a year, 43% of what it takes.
In Hawaii
Hawaii County ranks #1 of 4 for the income a home takes, from least to most.
Easiest to afford in Hawaii
| County | Typical home | Income needed |
|---|---|---|
| Honolulu County | $856,332 | $270,133 |
| Maui County | $987,614 | $308,407 |
| Kauai County | $1,018,601 | $319,211 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.