Reduce housing cost: rents and cost of buying a house. The term affordable house is constantly used by newscasters, politicians and others. They put a numeric amount to it. In Hawaii the median house is approximately $750,000 An affordable house in Pahoa, on the Big Island, has the most affordable median home value in the state at $289,462 There is a wide disparity between Hawaii’s median and affordable housing cost. Reducing this disparity in housing cost will keep the younger adult population in Hawaii.