Honolulu County, Hawaii home prices
Typical home $855,988 · +2.6% in a year · property tax 0.28%
The typical home in Honolulu County is worth $855,988, 3% more than the Hawaii typical home ($832,932). Values changed +2.6% in the past year and +11.9% over five years. Homeowners here pay a median 0.28% of their home's value in property tax each year ($2,435 on the typical home), versus 0.26% statewide.
Mortgage on the typical Honolulu County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $171,198 | $684,790 | $4,607 | $0 | $631 | $5,238 | $224,500 |
| 10% down | $85,599 | $770,389 | $5,182 | $321 | $631 | $6,134 | $262,900 |
| 5% down | $42,799 | $813,188 | $5,470 | $339 | $631 | $6,440 | $276,000 |
| 3.5% down (FHA) | $29,960 | $840,484 | $5,654 | $379 | $631 | $6,663 | $285,600 |
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 Urban Honolulu metro area.
Hawaii counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Maui County | $982,145 | -2.9% | 0.16% |
| Kauai County | $1,014,244 | +1.9% | 0.21% |
| Hawaii County | $574,749 | +1.9% | 0.28% |
Frequently asked questions
What is the average home price in Honolulu County, HI?
The typical home value in Honolulu County is $855,988 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Honolulu County?
About $224,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Honolulu County?
The median effective rate is 0.28% of home value a year (Census ACS 2024 5-year estimates).