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Hawaii mortgage calculator

Pre-filled for Hawaii: the median home value ($875,000) and the state's effective property tax rate of 0.27%. Change anything to match your home.

Home price
Down payment$175,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$4,771.36

Loan $700,000 · 20% down

  • Principal & interest$4,424.48
  • Property tax$196.88
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$892,809
Total cost
$1,717,685
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 7,824, Interest 45,27012: Principal 8,348, Interest 44,7463: Principal 8,907, Interest 44,1874: Principal 9,504, Interest 43,59045: Principal 10,140, Interest 42,9546: Principal 10,819, Interest 42,2747: Principal 11,544, Interest 41,5508: Principal 12,317, Interest 40,77789: Principal 13,142, Interest 39,95210: Principal 14,022, Interest 39,07211: Principal 14,961, Interest 38,13312: Principal 15,963, Interest 37,1311213: Principal 17,032, Interest 36,06214: Principal 18,173, Interest 34,92115: Principal 19,390, Interest 33,70416: Principal 20,689, Interest 32,4051617: Principal 22,074, Interest 31,02018: Principal 23,552, Interest 29,54119: Principal 25,130, Interest 27,96420: Principal 26,813, Interest 26,2812021: Principal 28,608, Interest 24,48522: Principal 30,524, Interest 22,56923: Principal 32,569, Interest 20,52524: Principal 34,750, Interest 18,3442425: Principal 37,077, Interest 16,01726: Principal 39,560, Interest 13,53327: Principal 42,210, Interest 10,88428: Principal 45,037, Interest 8,0572829: Principal 48,053, Interest 5,04130: Principal 51,267, Interest 1,82330
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$7,824$45,270$692,176
2$8,348$44,746$683,828
3$8,907$44,187$674,921
4$9,504$43,590$665,417
5$10,140$42,954$655,277
Monthly payment$4,771.36

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Hawaii at a glance

Effective property tax
0.27%
Rank (1 = highest)
51st of 51
Median home value
$875,900
Median tax bill
$2,385/yr

On the same $400,000 home, property tax in Hawaii adds about $90.00/month, versus $296.67/month at the national rate.

Hawaii mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$450,000$2,275.44$101.25$2,526.69
$650,000$3,286.75$146.25$3,583.00
$875,000(median)$4,424.48$196.88$4,771.36
$1,325,000$6,699.92$298.13$7,148.05
$1,750,000$8,848.95$393.75$9,392.70

20% down, 6.5% 30-year fixed (example rate), 0.27% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in Hawaii.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • Hawaii figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in Hawaii?+

The effective property tax rate in Hawaii is about 0.27% of home value a year (median taxes paid $2,385 on a median home worth $875,900). That's the 51st highest of 50 states and DC, and lower than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in Hawaii?+

For a $875,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $4,771.36 a month, including $196.88 of property tax and $150.00 of insurance.

How much income do I need to buy a home in Hawaii?+

To afford the median Hawaii home ($875,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $243,000 a year in gross income at a 6.5% rate.

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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.