What is the problem with housing in Hawaii?

The roots of Hawaii's housing crises run deep. The state has “the most restrictive land use regulations in the country.” Only 4% of land in the state is zoned for residential housing. Multifamily homes are only allowed on 0.3% of land in the state.



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While household incomes are on par with some of the more expensive states to live in, taxes on income in Hawaii are some of the highest in the country. The median household income in Hawaii is $88,005 with an average tax rate of 11.67% and a marginal tax rate of 22%.

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Cons to living in Hawaii:
  • Hard to find jobs.
  • Housing is expensive.
  • Cost of living.
  • Tourism.
  • Ecological toll.
  • Island time goes slow.
  • No seasons or changes.
  • Volcanoes.


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Before You Move to Hawaii Living in Hawaii has its perks, including year-round warm weather and access to some of the most beautiful natural scenery in the world. The island lifestyle is laid-back and relaxed, and there is a strong sense of community and connection to the land.

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To live comfortably in Hawaii, an annual income of around $70,000 to $100,000 for a single person, or $120,000 to $200,000 for a family is recommended. Is it expensive to live in Hawaii? Yes, Hawaii is known for its high cost of living due to factors such as housing, groceries, utilities, and transportation.

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Pros and Cons Of Living In Hawaii
  • An abundance of natural beauty.
  • Great weather.
  • Diverse outdoor recreation options.
  • Nice people set in a warm culture.
  • Low crime rates.
  • High cost of living.
  • Potential for culture shock.
  • Bad impacts from weather and nature.


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Native Hawaiians and Pacific Islanders were disproportionately experiencing homelessness long before the recent wildfires hit: People experiencing homelessness who identify as Native Hawaiians or Pacific Islanders increased by 19% between 2020 and 2022 (Annual Homelessness Assessment Report Part 1).

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Hawai?i's high cost of living and lack of housing opportunities were believed to be the top reasons. Researchers also found that almost 40% of the Native Hawaiians they surveyed have thought about or are planning to move from Hawai?i.

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Of course, living in Hawaii also has its challenges. The cost of living can be high, especially in terms of housing and groceries. The islands are also isolated from the mainland, which can make it difficult to access certain goods and services.

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What is the minimum wage in Hawaii? The current minimum wage in Hawaii is $12.00 per hour, which is $4.75 higher than the federal minimum wage of $7.25. Tipped employees may be paid below the minimum wage as long as the combined pay from wages and tips is at least $7 more than the minimum wage.

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