Mortgage on a $900K house in Hawaii
$5,492 a month with 20% down — $4,843 principal and interest plus $199 property tax and $450 insurance.
Hawaii's typical property tax is 0.26% of the home's value a year (U.S. average 0.9%), which adds $199 a month on a $900K home. The typical home in Hawaii is worth $832,932, so $900K is 8% above the typical price.
$900K home in Hawaii: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $180,000 | $720,000 | $4,843 | $0 | $649 | $5,492 | $235,400 |
| 10% down | $90,000 | $810,000 | $5,449 | $338 | $649 | $6,435 | $275,800 |
| 5% down | $45,000 | $855,000 | $5,752 | $356 | $649 | $6,756 | $289,600 |
| 3.5% down (FHA) | $31,500 | $883,699 | $5,945 | $398 | $649 | $6,991 | $299,600 |
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 $900K buy a typical home?
In these counties the typical home value is within 15% of $900K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Honolulu County | $855,988 | 0.28% | $5,507 |
| Maui County | $982,145 | 0.16% | $5,415 |
| Kauai County | $1,014,244 | 0.21% | $5,454 |
2 of 4 Hawaii counties tracked by Zillow have a typical home value at or below $900K. See all Hawaii home prices.
Other prices in Hawaii
Frequently asked questions
What is the mortgage on a $900K house in Hawaii?
About $5,492 a month with 20% down at 7.11%: $4,843 principal and interest, $199 property tax and $450 insurance.
How much do I need to make to buy a $900K house in Hawaii?
About $235,400 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $900K house in Hawaii?
At Hawaii's typical effective rate of 0.26%, about $2,383 a year. Rates vary by county and city — see the county pages.