What your paycheck buys · Updated every Friday

What a paycheck buys in Hawaii this week

Out of reach · #47 of 50 on affordability · rate for the week of October 22, 2026

A median Hawaii household earning $105,100 a year can afford a home of about $332,000 at this week’s 7.32% average 30-year rate. The median Hawaii listing is $732,450, which would take 61.8% of that household’s gross income, against the usual 28% ceiling.

$332,000

Affordable home price

+$2,187 vs. last week · −$9,775 vs. a year ago

$732,000

Median list price (September 2026)

−$17,550 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Hawaii 46 a year ago

61.8%

Share of income the median listing takes

$5,413/mo incl. taxes & insurance · U.S. 42.5%

$105,000

Median household income (2025)

U.S. $87,000

#47

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $750,000 and median income of $98,300 (2024 figure), the same household could afford about $342,000 and the median listing took 61.5% of income. Affordability in Hawaii has worsened since then.

Nearby in the ranking

#45 Wyoming: can afford $256,000, median listing $497,000
#46 Idaho: can afford $277,000, median listing $593,000
#48 New York: can afford $274,000, median listing $605,000
#49 California: can afford $318,000, median listing $725,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.