To reclaim ancestral land, all Native Hawaiians need is a $300,000 mortgage and to wait in line for decades


A 100-year-old program provides virtually free land for Native Hawaiians to build their own home or buy one from a developer. Despite a $1/year land lease and low taxes, the program has failed to promptly provide affordable housing to lower income applicants. Many of the 23,000 applicants have been on a waitlist for decades because the focus on building subdivisions means that low-income Native Hawaiians don’t qualify for the mortgages. Advocates say scrapping the subdivision model and focusing on housing that meets the needs of lower-income applicants, such as condominiums, will reduce wait times.

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