The median home in Hilo, Hawaii is valued at $531,457, up 0.7% year over year. Typical monthly rent is $1,851, producing a price-to-rent ratio of 23.9x — well above the national average of 18x. Hilo is part of the Hilo, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$531,457

+0.7%

Rent$1,851/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Hilo.

Income (annual)

Down Payment

$106,291 on $531,457

Example: $75,000 household income. Change it above to see your own.

Out of reach46.6% of income

Need $124,757/yr to afford.

PITI$2,911

P/I46.6%

Afford$319K

Gap-$212K

P&I $2,687Tax $124Ins $100

Renting $1,060/mo cheaper ($1,851 rent)6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Hawaii

Compare Hilo with other housing markets across Hawaii.

Hanalei$3.2M Puako$2.15M Kilauea$1.71M Haleiwa$1.61M Kailua$1.47M Princeville$1.4M Kula$1.31M Paia$1.29M

Full Hilo, HI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Hilo, HI metro.

View Hilo, HI metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.