Income needed to buy a home
Honolulu County, HI
$270,133
a year in household income to buy the typical Honolulu County home with 10% down.
The monthly math
Typical home value$856,332
Down payment (10%)$85,633
Loan$770,699
Principal and interest (7.40%)$5,336/mo
Property tax (0.3% a year)$218/mo
Homeowners insurance (estimate)$428/mo
Mortgage insurance$321/mo
Total monthly cost$6,303/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 $106,195 a year, 39% of what it takes.
In Hawaii
Honolulu County ranks #2 of 4 for the income a home takes, from least to most.
Easiest to afford in Hawaii
| County | Typical home | Income needed |
|---|---|---|
| Hawaii County | $570,916 | $180,974 |
| 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.