Hawaii Mortgage Calculator
Calculate your mortgage payment in Hawaii. Pre-filled with HI median home price ($850,000), property tax rate (0.28%), and local insurance costs.
Hawaii at a Glance
$850,000
Median Home Price
0.28%
Property Tax Rate
$1,800
Avg Home Insurance
$1,149,825
FHA Loan Limit
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Reviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. State-specific data is sourced from official government publications.
Mortgage Calculator in Hawaii
The median home price in Hawaii is $850,000, which is 102% above the national average of $420,000. Hawaii's effective property tax rate of 0.28% is 0.82 percentage points lower than the national average of 1.1%.
| Metric | Hawaii (HI) | National Avg | vs National Average |
|---|---|---|---|
| Median Home Price | $850,000 | $420,000 | +102% |
| Property Tax Rate | 0.28% | 1.1% | -0.82% |
| Home Insurance (Annual) | $1,800 | $2,300 | -22% |
| State Sales Tax | 4% | 5% | -1.0% |
| FHA Loan Limit | $1,149,825 | $472,030 | Higher |
| Conforming Loan Limit | $1,149,825 | $766,550 | Higher |
Hawaii offers a homestead exemption of $120,000, which reduces the taxable value of your primary residence. The state uses an assessment ratio of 100% to determine the assessed value for property tax purposes.
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