The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
| ZIP Code | City | Housing Affordability Index | |
|---|---|---|---|
| 1. | 96757 | Kualapuu | 157 |
| 2. | 96777 | Pahala | 155 |
| 3. | 96718 | Hawaii National Park | 145 |
| 4. | 96716 | Hanapepe | 130 |
| 5. | 96705 | Eleele | 130 |
| 6. | 96776 | Paauilo | 123 |
| 7. | 96785 | Volcano | 123 |
| 8. | 96781 | Papaikou | 122 |
| 9. | 96729 | Hoolehua | 119 |
| 10. | 96796 | Waimea | 119 |
| 11. | 96760 | Kurtistown | 118 |
| 12. | 96749 | Keaau | 115 |
| 13. | 96738 | Waikoloa | 114 |
| 14. | 96752 | Kekaha | 112 |
| 15. | 96771 | Mountain View | 112 |
| 16. | 96772 | Naalehu | 111 |
| 17. | 96706 | Ewa Beach | 110 |
| 18. | 96707 | Kapolei | 109 |
| 19. | 96778 | Pahoa | 105 |
| 20. | 96727 | Honokaa | 103 |
