Hawaii (HI) · West Real Estate Profile
Hawaii Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Hawaii. In Hawaii, the effective statewide property tax rate averages 0.31% and homeowners insurance averages 0.36% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.31%
Homeowners Insurance0.36%
Median Home Price$850,000
Conforming Loan Limit$1,149,825
Property Tax Context for Hawaii: At 0.31%, a median-priced home of $850,000 pays roughly $2,635 per year in property taxes ($220/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Hawaii Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Hawaii residents.
Monthly Payment Benchmarks in Hawaii (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | HI Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $48/mo | $1,053/mo | $45,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $81/mo | $1,755/mo | $75,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $113/mo | $2,457/mo | $105,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $145/mo | $3,158/mo | $135,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $178/mo | $3,860/mo | $165,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $242/mo | $5,264/mo | $226,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $323/mo | $7,019/mo | $301,000/yr | View schedule → |
Browse all 25 loan amounts in Hawaii
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in HI$702/mo$150k in HI$1,053/mo$200k in HI$1,404/mo$250k in HI$1,755/mo$300k in HI$2,106/mo$350k in HI$2,457/mo$400k in HI$2,807/mo$450k in HI$3,158/mo$500k in HI$3,509/mo$550k in HI$3,860/mo$600k in HI$4,211/mo$650k in HI$4,562/mo$700k in HI$4,913/mo$750k in HI$5,264/mo$800k in HI$5,615/mo$850k in HI$5,966/mo$900k in HI$6,317/mo$950k in HI$6,668/mo$1 million in HI$7,019/mo$1.1 million in HI$7,720/mo$1.2 million in HI$8,422/mo$1.3 million in HI$9,124/mo$1.4 million in HI$9,826/mo$1.5 million in HI$10,528/mo$2 million in HI$14,037/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →California (0.73% tax)View guide →Colorado (0.55% tax)View guide →Idaho (0.63% tax)View guide →Montana (0.74% tax)View guide →
Closing Costs & Transfer Tax in Hawaii
Conveyance tax scales progressively from $0.10 to $1.25 per $100 depending on sales price and homeowner exemption.