According to UHERO's 2025 Hawaiʻi Housing Factbook, disruptions in the condominium insurance market have pushed up association costs and helped drive a new round of HOA fee increases statewide. Even before these recent hikes, HOA fees in Hawaiʻi were already among the highest in the nation, with average condo and HOA payments around $762 per month—nearly $500 more than the U.S. average. UHERO's analysis of 1,680 Oʻahu listings between late 2024 and early 2025 found that 38 percent of properties experienced an HOA increase, with an average jump of $135, or about 16 percent, and some associations raising fees by more than $2,000 a month. While condos can still be cheaper than single‑family homes on the purchase side, the Factbook notes that these rising HOA fees erode that relative affordability by adding substantially to monthly ownership costs.