Hawaii Mortgage Calculator
Estimate the monthly PITI payment on a Hawaii home. Preseeded with the state’s 0.28% effective property-tax rate, $1,100 average annual insurance, and $850,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$4,871
- Principal & Interest
- $4,298
- Property Taxes
- $198
- Home Insurance
- $92
- PMI
- $283
Total Interest
$867,303
Total Cost
$1,651,703
Payoff Year
2056
Hawaii Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.28%
- Avg annual insurance
- $1,100
- Median home price
- $850,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Hawaii Rules
Hawaii has the lowest effective property-tax rate in the country, but the highest median home price. Honolulu County offers a $100,000–$140,000 home exemption (age-tiered) for owner-occupied primary residences. Hurricane-rider insurance is typically purchased separately and is not included in standard policies.
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Frequently Asked Questions
- Hawaii's statewide effective property-tax rate is approximately 0.28% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.