Sam SmithHawaii is often celebrated for its breathtaking landscapes, rich culture, and laid-back lifestyle — but it’s equally known for its high cost of living. While Honolulu and resort-heavy areas tend to dominate the conversation with sky-high prices, there are communities across the islands that offer a more attainable way to experience life in paradise. “Affordable” in Hawaii is always relative, yet certain towns and cities stand out for their lower housing costs, local character, and balance of amenities. This guide highlights the most affordable places to live in Hawaii, along with the key factors to consider before making the move.
Top 50 Cheapest Cities In Hawaii
1. Hilo (Big Island)
Hilo is the county seat of Hawaii County and one of the most affordable larger towns in the islands. Housing costs are lower than in Honolulu, with older inventory and modest neighborhoods. The lush rainforest setting brings heavy rainfall, but also stunning greenery, waterfalls, and botanical gardens. Hilo has a strong sense of community, cultural events, and access to schools and hospitals. It’s ideal for those seeking affordability with a slower pace of life.
2. Pāhoa (Big Island)
Pāhoa, located in the Puna District, is known for its funky, offbeat vibe and artistic community. It offers some of the most affordable land and homes in Hawaii, though many are in lava zones. The town has a rural feel, with eclectic shops and a laid-back lifestyle. While farther from major amenities, residents enjoy privacy, space, and a strong sense of individuality. Pāhoa appeals to those who value affordability and alternative culture over convenience.
3. Mountain View (Big Island)
Mountain View sits near Hilo in the rainforest belt, offering large, affordable lots and a strong agricultural community. It’s a rural area where residents often grow their own food and enjoy spacious properties. The climate is wet and cool, with dense greenery and a slower pace of life. Housing is more affordable compared to coastal towns, though infrastructure can be limited. Mountain View is ideal for those seeking land, privacy, and a homestead lifestyle.
4. Ocean View (Big Island)
Ocean View, in the Kau district, is a vast rural subdivision with some of the most affordable land in Hawaii. Properties range from small lots to larger acreages, often with simple homes or off-grid living. The area is dry, remote, and has a mix of paved and unpaved roads. While amenities are limited, residents enjoy wide-open skies, privacy, and affordability. Ocean View suits those comfortable with rural living and self-sufficiency, far from urban conveniences.
5. Captain Cook (Big Island)
Captain Cook, in South Kona, offers a sunny, rural lifestyle surrounded by coffee farms and agricultural land. Housing is more affordable than nearby Kailua-Kona, with a mix of modest homes and larger properties. The area has a country feel, with ocean views and access to snorkeling spots. Amenities are limited compared to Kona, but the community is tight-knit. Captain Cook is ideal for those who want affordability, sunshine, and a slower pace in Kona.
6. Waimea (Big Island)
Waimea, also known as Kamuela, blends affordability with paniolo (cowboy) culture in Hawaii’s upcountry. Inland areas are more affordable than resort-heavy coastal zones. The cooler climate, rolling pastures, and ranching traditions give Waimea a unique charm. Housing ranges from modest homes to larger properties, often with more value than coastal real estate. With schools, shops, and medical facilities nearby, Waimea offers a balance of affordability and amenities, appealing to families and those seeking cooler weather.
7. Wailuku (Maui)
Wailuku, the historic county seat of Maui, offers older, more modest homes compared to the resort areas of South and West Maui. Its central location provides access to government offices, schools, and cultural landmarks. Housing is more affordable than in tourist-heavy towns, though still higher than the mainland. Wailuku has a strong sense of history, with charming streets and community events. It’s ideal for those seeking affordability, convenience, and a local lifestyle on Maui.
8. Lahaina (Maui)
Lahaina, once a bustling historic town and tourist hub, was devastated by the 2023 wildfires. The housing market is in flux, with affordability complicated by recovery efforts and displacement. Historically, Lahaina offered modest homes compared to luxury resort areas, alongside vibrant culture and oceanfront charm. Today, sensitivity to the community’s rebuilding is essential. Lahaina remains significant for its history and resilience, but affordability must be considered carefully in light of ongoing recovery and housing challenges.
9. Kāne‘ohe (O‘ahu)
Kāne‘ohe, on O‘ahu’s windward side, offers stunning natural beauty with lush mountains and bay views. While not “cheap,” it is often more affordable than comparable Honolulu neighborhoods. Housing includes older homes and modest properties, with access to schools, shops, and medical facilities. The area has a relaxed, family-friendly vibe, with easy access to outdoor activities like hiking and kayaking. Kāne‘ohe balances affordability with convenience, making it appealing for those seeking a scenic lifestyle near Honolulu.
10. Waimānalo (O‘ahu)
Waimānalo, on O‘ahu’s windward coast, has a rural feel with one of the island’s longest beaches. Housing includes older, more affordable options compared to nearby Kailua. The community is close-knit, with a mix of local families and newcomers. Amenities are modest, but Honolulu is within commuting distance. Waimānalo offers affordability, natural beauty, and a slower pace of life. It’s ideal for those who want a rural beach town atmosphere while staying connected to O‘ahu’s urban core.
Most Affordable Cities & Towns to Live in Hawaii (Relative to State Costs)
| # | City / Town | Island / County |
|---|---|---|
| 1 | Hilo | Big Island (Hawaiʻi County) |
| 2 | Pāhoa | Big Island |
| 3 | Mountain View | Big Island |
| 4 | Ocean View | Big Island |
| 5 | Captain Cook | Big Island |
| 6 | Waimea (Kawaihae / Upcountry) | Big Island |
| 7 | Wailuku | Maui |
| 8 | Lahaina | Maui |
| 9 | Kāne‘ohe | O‘ahu |
| 10 | Waimānalo | O‘ahu |
| 11 | Kurtistown | Big Island |
| 12 | Kea‘au | Big Island |
| 13 | Fern Acres | Big Island |
| 14 | Hawaiian Paradise Park | Big Island |
| 15 | Nanawale Estates | Big Island |
| 16 | Volcano | Big Island |
| 17 | Honalo | Big Island |
| 18 | Hōnaunau | Big Island |
| 19 | Kealakekua | Big Island |
| 20 | Pa‘auilo | Big Island |
| 21 | Hawi | Big Island |
| 22 | Kapa‘au | Big Island |
| 23 | Ha‘ikū | Maui |
| 24 | Kīhei | Maui |
| 25 | Makawao | Maui |
| 26 | Pukalani | Maui |
| 27 | Kula | Maui |
| 28 | Hāna | Maui |
| 29 | Lāna‘i City | Lāna‘i |
| 30 | Kaunakakai | Moloka‘i |
| 31 | Maunaloa | Moloka‘i |
| 32 | Waipahu | O‘ahu |
| 33 | ‘Ewa Beach | O‘ahu |
| 34 | Kapolei | O‘ahu |
| 35 | Wahiawā | O‘ahu |
| 36 | Makakilo | O‘ahu |
| 37 | Pearl City | O‘ahu |
| 38 | Hau‘ula | O‘ahu |
| 39 | La‘ie | O‘ahu |
| 40 | Kahuku | O‘ahu |
| 41 | Nānākuli | O‘ahu |
| 42 | Wai‘anae | O‘ahu |
| 43 | Mililani | O‘ahu |
| 44 | Kapa‘a | Kaua‘i |
| 45 | Hanapēpē | Kaua‘i |
| 46 | Kēlia | Kaua‘i |
| 47 | ‘Ele‘ele | Kaua‘i |
| 48 | Lawai | Kaua‘i |
| 49 | Anahola | Kaua‘i |
| 50 | Kīlauea | Kaua‘i |
Closing
Choosing where to live in Hawaii is about more than just price — it’s about finding a community that matches your lifestyle, values, and long-term goals. From the rainforests of Hilo to the rural beaches of Waimānalo, each area offers its own unique blend of affordability and character. By renting first, researching true costs beyond housing, and connecting with locals, you can make a thoughtful transition that honors both your budget and the spirit of aloha ‘āina (love for the land). Ultimately, the “cheapest” place is the one where you can build a sustainable life while embracing the beauty and culture that make Hawaii extraordinary.