Urban Honolulu, HI home prices
Typical home $855,973 · +2.6% in a year · income needed $224,500
The Urban Honolulu, HI metro area ranks 21 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.6% in a year and +11.9% over five years. With 20% down at 7.11%, the typical home costs about $5,237 a month including 0.28% property tax (Honolulu County rate).
Mortgage on the typical Urban Honolulu home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $171,195 | $684,778 | $4,607 | $0 | $631 | $5,237 | $224,500 |
| 10% down | $85,597 | $770,375 | $5,182 | $321 | $631 | $6,134 | $262,900 |
| 5% down | $42,799 | $813,174 | $5,470 | $339 | $631 | $6,440 | $276,000 |
| 3.5% down (FHA) | $29,959 | $840,469 | $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.
Counties in the Urban Honolulu area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Honolulu County, HI | $855,988 | +2.6% | 0.28% |
What can you afford in Hawaii on your salary? · Hawaii home prices · Salaries in Hawaii
Frequently asked questions
How much is a house in Urban Honolulu?
The typical home in the Urban Honolulu, HI metro area is worth $855,973 (Zillow, September 2026).
What salary do you need to buy a house in Urban Honolulu?
About $224,500 a year for the typical home with 20% down at 7.11%.