Mortgage on a $150K house in Hawaii
$915 a month with 20% down — $807 principal and interest plus $33 property tax and $75 insurance.
Hawaii's typical property tax is 0.26% of the home's value a year (U.S. average 0.9%), which adds $33 a month on a $150K home. The typical home in Hawaii is worth $832,932, so $150K is 82% below the typical price.
$150K home in Hawaii: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,000 | $120,000 | $807 | $0 | $108 | $915 | $39,200 |
| 10% down | $15,000 | $135,000 | $908 | $56 | $108 | $1,073 | $46,000 |
| 5% down | $7,500 | $142,500 | $959 | $59 | $108 | $1,126 | $48,300 |
| 3.5% down (FHA) | $5,250 | $147,283 | $991 | $66 | $108 | $1,165 | $49,900 |
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.
Where in Hawaii does $150K buy a typical home?
No Hawaii county has a typical home value within 15% of $150K.
0 of 4 Hawaii counties tracked by Zillow have a typical home value at or below $150K. See all Hawaii home prices.
Other prices in Hawaii
Frequently asked questions
What is the mortgage on a $150K house in Hawaii?
About $915 a month with 20% down at 7.11%: $807 principal and interest, $33 property tax and $75 insurance.
How much do I need to make to buy a $150K house in Hawaii?
About $39,200 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $150K house in Hawaii?
At Hawaii's typical effective rate of 0.26%, about $397 a year. Rates vary by county and city — see the county pages.