Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
Hawaii
Hawaii's residential market exhibits moderate pricing resilience alongside rising inventory and elevated days on market, with the statewide median sales price reaching $755,853, up 2.1% year-over-year. Buyers are regaining negotiating room as supply expands to 7 months and market times hover near 89 days, though acute condominium insurance hurdles and high financing costs dampen overall buyer momentum.
Median prices moved up 2.6% year over year.
Homes spend a median of 111 days on market with 5.1 months of supply — a slower-moving market.
28% of listings have cut prices · homes sell at 90.43% of asking — demand is cooling.
unemployment 3.4% · poverty 10.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this state — never individual records, and never an attribute of any individual property or resident. Federal enforcement activity is presented only at the state tier as regional context — never imputed onto any county, city, ZIP, neighborhood or parcel beneath it.
Deterministic aggregate of 5 researched counties — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Hawaii — researched statewide history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
The amenity base that shapes daily life and property demand in this state — what residents actually live with, and what the pipeline is adding.
Spanning over 300,000 acres on Hawaii Island, it features active volcanoes Kilauea and Mauna Loa, offering rare geological landscapes, hiking trails, and deep cultural heritage.
World-famous oceanfront destination and iconic volcanic tuff cone in Honolulu offering iconic surf breaks, luxury retail corridors, and ocean recreation.
Encompassing Maui's dormant volcanic summit and coastal Kipahulu district, drawing visitors for sunrise viewings, rare sub-alpine hiking, and preservation of endemic species.
Oahu historic site commemorating the events of December 7, 1941, featuring the USS Arizona Memorial and cultural installations that anchor Oahu's military history.
Kauai's dramatic 16-mile stretch of fluted ocean cliffs and pristine beaches accessible only by foot, boat, or air, representing prime Pacific wildland recreation.
Hawaii maintains violent crime rates moderately lower than the national benchmark, though property crime and larceny in high-density tourist centers like Honolulu remain elevated compared to regional suburban norms. Violent offenses have exhibited stability to modest declines over recent multi-year cycles.
Hawaii operates a unique single unified statewide school system under the Hawaii State Department of Education (HIDOE), which encompasses public schools across all islands. Educational performance varies significantly between well-resourced magnet and complex area schools and underfunded rural or outer-island schools.
Coastal and island posture creates high exposure to tropical storms, tsunami hazards, volcanic activity on Hawaii Island, and heightened wildfire risks highlighted by catastrophic brushfires on Maui and Oahu. Insurers face escalating scrutiny, with premiums rising rapidly and residential condo master policy insurance becoming a primary market constraint.
Economic expansion is anchored in hospitality and defense, with significant capital spending focused on federal defense modernization and renewable energy infrastructure. The Honolulu rail transit system (Skyline) and major post-wildfire rebuilding efforts on Maui represent the largest public capital investments.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. Federal (United States (federal)) — Federal General Tax Lien Encumbrance: Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer. Upon the IRS filing a Notice of Federal Tax Lien (NFTL) in local county land records under IRC § 6323, it perfects priority against subsequent pur Federal (United States (federal)) — Foreign Investment in Real Property Tax Act (FIRPTA) Tax Withholding: Imposes an absolute statutory obligation on the transferee/buyer to withhold gross tax from the total amount realized (purchase price) upon disposition and remit it to the IRS within 20 days using Forms 8288 and 8288-A. Rate structure and formula: Base statutory withholding rate is 15% of the gross
Hawaii's economy is predominantly driven by tourism and hospitality, alongside significant contributions from federal defense operations and military installations across Oahu. High living costs and logistical isolation present ongoing economic challenges, offset by stable federal spending and consistent visitor arrivals.
Hawaii does not utilize traditional Texas-style MUDs or PIDs, but relies on county-level improvement districts, community facility districts (CFD), and county water boards for capital improvements and municipal services.
Hawaii's property insurance market is facing severe headwinds, characterized by soaring premiums, carrier withdrawals, and an acute condo insurance crunch following catastrophic wildfire events. The state has intervened through legislative measures and the Hawaii Property Insurance Association (HPIA) to stabilize master policy availability.
Hawaii has consistently registered negative net domestic migration over the past decade, driven by outmigration of local residents to the U.S. mainland due to elevated housing costs and general cost of living pressures.
Hawaii allows both judicial and non-judicial foreclosures, but the vast majority of residential mortgage foreclosures are conducted judicially through state circuit courts under comprehensive statutory procedures. Hawaii generally does not provide statutory post-sale redemption rights for standard judicial mortgage foreclosures once the court confirms the sale.
Hawaii Chapter 508D strictly requires residential sellers to deliver a fully completed, written Seller's Real Property Disclosure Statement disclosing all known material defects, signed within ten days of contract acceptance. Buyers have a statutory right of rescission upon receiving the disclosure statement or any amended disclosures.
Data retrieved from U.S. Census Bureau state profiles and Hawaii State Data Center releases.
Hawaii's residential market exhibits moderate pricing resilience alongside rising inventory and elevated days on market, with the statewide median sales price reaching $755,853, up 2.1% year-over-year. Buyers are regaining negotiating room as supply expands to 7 months and market times hover near 89 days, though acute condominium insurance hurdles and high financing costs dampen overall buyer momentum.
No recorded foreclosure notices for Hawaii yet. Counties ingest on the scheduled rotation — absence here reads as no recorded notices, not as verified zero distress.