Mortgage on a $250K house in Hawaii
$1,526 a month with 20% down — $1,345 principal and interest plus $55 property tax and $125 insurance.
Hawaii's typical property tax is 0.26% of the home's value a year (U.S. average 0.9%), which adds $55 a month on a $250K home. The typical home in Hawaii is worth $832,932, so $250K is 70% below the typical price.
$250K home in Hawaii: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,000 | $200,000 | $1,345 | $0 | $180 | $1,526 | $65,400 |
| 10% down | $25,000 | $225,000 | $1,514 | $94 | $180 | $1,788 | $76,600 |
| 5% down | $12,500 | $237,500 | $1,598 | $99 | $180 | $1,877 | $80,400 |
| 3.5% down (FHA) | $8,750 | $245,472 | $1,651 | $111 | $180 | $1,942 | $83,200 |
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 $250K buy a typical home?
No Hawaii county has a typical home value within 15% of $250K.
0 of 4 Hawaii counties tracked by Zillow have a typical home value at or below $250K. See all Hawaii home prices.
Other prices in Hawaii
Frequently asked questions
What is the mortgage on a $250K house in Hawaii?
About $1,526 a month with 20% down at 7.11%: $1,345 principal and interest, $55 property tax and $125 insurance.
How much do I need to make to buy a $250K house in Hawaii?
About $65,400 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $250K house in Hawaii?
At Hawaii's typical effective rate of 0.26%, about $662 a year. Rates vary by county and city — see the county pages.