Hawaii home prices and mortgage costs
Typical home value $832,932 · +1.4% in a year · property tax 0.26%
Hawaii ranks most expensive of 51 states and D.C. Home values changed +1.4% over the past year and +15.6% over five years. Buying the typical home with 20% down costs about $5,083 a month at 7.11%, which needs a household income of about $217,800.
Cost of the typical Hawaii home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $166,586 | $666,345 | $4,483 | $0 | $600 | $5,083 | $217,800 |
| 10% down | $83,293 | $749,639 | $5,043 | $312 | $600 | $5,955 | $255,200 |
| 5% down | $41,647 | $791,285 | $5,323 | $330 | $600 | $6,253 | $268,000 |
| 3.5% down (FHA) | $29,153 | $817,845 | $5,502 | $368 | $600 | $6,470 | $277,300 |
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.
Check a specific budget: how much house you can afford in Hawaii by salary · payment on a $850K home in Hawaii
Home prices by county in Hawaii
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Kauai County | $1,014,244 | +1.9% | 0.21% | $6,146 | $263,400 |
| Maui County | $982,145 | -2.9% | 0.16% | $5,909 | $253,300 |
| Honolulu County | $855,988 | +2.6% | 0.28% | $5,238 | $224,500 |
| Hawaii County | $574,749 | +1.9% | 0.28% | $3,515 | $150,600 |
Metro areas in Hawaii
Frequently asked questions
What is the average home price in Hawaii?
The typical home in Hawaii is worth $832,932 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Hawaii?
About $217,800 a year to buy the typical $832,932 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Hawaii?
The typical effective rate is 0.26% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).