Owner Costs to Income Comparison
Housing

California vs Hawaii: Owner Costs to Income

Hawaii has a lower owner costs to income ratio than California.

California flag
California
CA • West
21.0%
Median selected monthly owner costs as a percentage of household income (ACS 2023).
Hawaii flag
Hawaii
HI • West
Winner
19.5%
Median selected monthly owner costs as a percentage of household income (ACS 2023).

Visual Comparison

California 21.0%
Hawaii 19.5%

Difference: 1.50 percentage points — Hawaii leads.

National Rankings

Where They Rank Nationally

See where both states fall among all 50 states for owner costs to income.

California #50 · 21.0%
Hawaii #46 · 19.5%
Best Worst

10 Best States — Owner Costs to Income

Lower is better
#1 West Virginia flag West Virginia
13.3%
#2 Arkansas flag Arkansas
14.6%
#3 North Dakota flag North Dakota
14.7%
#4 Alabama flag Alabama
14.8%
#5 Mississippi flag Mississippi
15.2%
#6 South Carolina flag South Carolina
15.4%
#7 Indiana flag Indiana
15.5%
#8 Tennessee flag Tennessee
15.5%
#9 Kentucky flag Kentucky
15.6%
#10 Missouri flag Missouri
15.9%
Selected states
#50 California flag California
21.0%
#46 Hawaii flag Hawaii
19.5%

California ranks 50th and Hawaii ranks 46th nationally for owner costs to income.

Related Context

Ownership Cost Burden

Lenders typically flag anything above 28% as stretched — here's how ownership stacks up against income.

Metric
California
Hawaii

What This Means

California vs Hawaii: Owner Costs to Income in context

Hawaii has a owner costs to income of 19.5%, compared with 21.0% in California. Median selected monthly owner costs as a percentage of household income (ACS 2023).

California
21.0%
Hawaii
19.5%
Difference
1.50 percentage points

People Also Ask

California vs Hawaii Owner Costs to Income — Common Questions

Q What is California's owner costs to income?

California's owner costs to income is 21.0%.

Q What is Hawaii's owner costs to income?

Hawaii's owner costs to income is 19.5%.

Q Which state has a lower owner costs to income — California or Hawaii?

Hawaii has a lower owner costs to income ratio than California.

Sources: Core demographic data comes from the 2020 U.S. Census, with land area from U.S. Census Bureau TIGER files. Income, housing, affordability, and tax fields are maintained in our comparison dataset; purchasing-power figures use BEA Regional Price Parities. Minimum wage data comes from the U.S. Department of Labor, gas prices from AAA, and electricity rates from the U.S. Energy Information Administration. Political control and election fields use 2024 presidential results together with National Conference of State Legislatures data. Gun-law labels use the Giffords scorecard, alcohol system data comes from NABCA, and marijuana status uses NCSL's state cannabis laws tracker.