Rent affordability
How much rent can you afford in Hawaii?
At Hawaii's median household income of $100,745, the 30% rule leaves about $2,269 a month for rent after about $249 in utilities, internet, and renters insurance. The 1-bedroom median in the Honolulu metro is $1,938. The city page below adds that metro's rent and local utilities.
Max rent in Hawaii
$2,269/mo
30% of gross income is $2,518 a month. Utilities, internet, and renters insurance take $249, which leaves $2,269 for rent.
The Honolulu metro's 1-bedroom median is $1,938. Open the city page below to compare it with your max.
- Take-home
- $6,096/moAfter estimated federal tax, state tax, and FICA.
- Move-in cash
- $4,538First month and a one-month deposit, at your max rent.
- Landlord screen
- $2,798/moHighest rent if a landlord wants income of 36× the rent.
Monthly budget
Where take-home pay of $6,096 goes at your max rent of $2,269. Each slice is its share of take-home.
- Rent37%$2,269
- Electric, gas, water3%$173
- Internet1%$61
- Renters insurance<1%$15
- Left over59%$3,578
Housing comes to $2,518 a month, 30% of gross income and 41% of take-home. That leaves $3,578 for food, transportation, savings, and everything else.
Rent by metro in Hawaii
Cities in the same metro share its median rent, as of August 2026. Each city page compares that rent with your max and adds local utilities and Census figures for the city.
Honolulu metro
$1,938 1-bed
Household income in Hawaii
The U.S. Census Bureau's 2024 American Community Survey 1-year estimates put median household income in Hawaii at $100,745. That was up 2.7% from $98,123 in 2023. The margin of error on the 2024 figure is $1,760. The estimate covers income of everyone age 15 or older in the household, in 2024 inflation-adjusted dollars.
Household utility bills in Hawaii
These are typical monthly bills for all household types in Hawaii, not an apartment quote. The rent calculator uses a smaller apartment estimate for electricity, gas, water, sewer, and trash, plus the internet row. The all-household core of those housing bills is $525 a month.
| Bill | Monthly |
|---|---|
| Electricity | $196 |
| Natural gas | $48 |
| Water | $92 |
| Sewer | $125 |
| Trash | $64 |
| Internet | $61 |
Methodology and sources
Updated . Max rent is 30% of gross monthly income minus estimated utilities, internet, and renters insurance. If you enter other bills, max rent also keeps housing plus those bills within 36% of gross income, a debt-to-income ratio lenders generally consider good. Take-home pay uses 2026 federal brackets, Hawaii's 2025 single-filer income tax brackets, and FICA. Metro rents are Apartment List estimates. City pages add Census American Community Survey 5-year estimates. See how Hawaii's metros compare in the rent affordability rankings. None of this is tax, legal, or housing advice.