Hawaii County, Hawaii home prices
Typical home $574,749 · +1.9% in a year · property tax 0.28%
The typical home in Hawaii County is worth $574,749, 31% less than the Hawaii typical home ($832,932). Values changed +1.9% in the past year and +20.8% over five years. Homeowners here pay a median 0.28% of their home's value in property tax each year ($1,615 on the typical home), versus 0.26% statewide.
Mortgage on the typical Hawaii County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $114,950 | $459,799 | $3,093 | $0 | $422 | $3,515 | $150,600 |
| 10% down | $57,475 | $517,274 | $3,480 | $216 | $422 | $4,117 | $176,500 |
| 5% down | $28,737 | $546,011 | $3,673 | $228 | $422 | $4,322 | $185,200 |
| 3.5% down (FHA) | $20,116 | $564,339 | $3,796 | $254 | $422 | $4,472 | $191,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.28% 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.
What it takes: see what you can afford by salary in Hawaii · part of the Hilo metro area.
Hawaii counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Honolulu County | $855,988 | +2.6% | 0.28% |
| Maui County | $982,145 | -2.9% | 0.16% |
| Kauai County | $1,014,244 | +1.9% | 0.21% |
Frequently asked questions
What is the average home price in Hawaii County, HI?
The typical home value in Hawaii County is $574,749 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hawaii County?
About $150,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hawaii County?
The median effective rate is 0.28% of home value a year (Census ACS 2024 5-year estimates).