Hawai‘i remains in a severe housing crisis. High prices and mortgage rates have made homeownership unaffordable for most residents. Housing production remains slow, with county and state regulatory barriers posing a major obstacle to new construction. Meanwhile, shifts in the U.S. home insurance market have driven up costs, increasing homeowners’ association fees and further reducing affordability. Federally imposed tariffs on building supplies and immigration policy that may reduce the national supply of construction labor also pose new challenges to getting housing built.
This third edition of the UHERO Housing Factbook offers a detailed, data-rich portrait of Hawai‘i’s housing market. The report presents concise analysis to support a deeper understanding of housing trends across the state.