Mortgage on a $800K house in Hawaii
$4,882 a month with 20% down — $4,305 principal and interest plus $177 property tax and $400 insurance.
Hawaii's typical property tax is 0.26% of the home's value a year (U.S. average 0.9%), which adds $177 a month on a $800K home. The typical home in Hawaii is worth $832,932, so $800K is 4% below the typical price.
$800K home in Hawaii: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $160,000 | $640,000 | $4,305 | $0 | $577 | $4,882 | $209,200 |
| 10% down | $80,000 | $720,000 | $4,843 | $300 | $577 | $5,720 | $245,100 |
| 5% down | $40,000 | $760,000 | $5,113 | $317 | $577 | $6,006 | $257,400 |
| 3.5% down (FHA) | $28,000 | $785,510 | $5,284 | $354 | $577 | $6,215 | $266,300 |
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 $800K buy a typical home?
In these counties the typical home value is within 15% of $800K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Honolulu County | $855,988 | 0.28% | $4,895 |
1 of 4 Hawaii counties tracked by Zillow have a typical home value at or below $800K. See all Hawaii home prices.
Other prices in Hawaii
Frequently asked questions
What is the mortgage on a $800K house in Hawaii?
About $4,882 a month with 20% down at 7.11%: $4,305 principal and interest, $177 property tax and $400 insurance.
How much do I need to make to buy a $800K house in Hawaii?
About $209,200 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $800K house in Hawaii?
At Hawaii's typical effective rate of 0.26%, about $2,118 a year. Rates vary by county and city — see the county pages.