How much house can I afford on $300,000 in Hawaii?
About $1,147,000 with 20% down ($901,000 with an FHA loan), using Hawaii's 0.26% property tax rate.
That is $314,176 more than the typical Hawaii home ($832,932), so a $300,000 salary can buy a typical home here. The payment of $7,000 covers $6,173 principal and interest, $253 property tax and $574 insurance.
Counties in Hawaii you can afford on $300,000
4 of 4 counties have a typical home value at or below $1,147,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kauai County | $1,014,244 | +1.9% | 0.21% |
| Maui County | $982,145 | -2.9% | 0.16% |
| Honolulu County | $855,988 | +2.6% | 0.28% |
| Hawaii County | $574,749 | +1.9% | 0.28% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.26% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Hawaii
Frequently asked questions
How much house can I afford on $300,000 in Hawaii?
About $1,147,000 with 20% down at 7.11%, keeping the payment (with Hawaii's 0.26% property tax and insurance) under $7,000 a month.
Is $300,000 enough to buy a house in Hawaii?
Yes: the typical Hawaii home is worth $832,932 (Zillow, September 2026) and $300,000 supports about $1,147,000. 4 of 4 counties are within budget.