Hawaii Mortgage Calculator
Hawaii has the lowest effective property tax rate of the 50 states at 0.29% — $5,165 less a year than the 0.91% state average on a $833,000 home. Homeowners insurance averages $659 a year, the lowest premium nationally and $2,061 less than the typical state.
Most Hawaii counties use the $832,750 conforming loan limit for 2026, but 5 high-cost counties — Kalawao County ($1,299,500), Maui County ($1,299,500), Hawaii County ($1,249,125) and others — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $833,000 home, property tax and insurance add $256 a month in Hawaii, compared with $655 in California, $769 in Alaska.
Loan Parameters
Total Monthly Payment
$5,709
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$1,051,337
Total Cost
$1,938,261
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $60,035 | $7,572 | $52,463 | $5,398 | $742,128 | $90,872 |
| Year 2 | $60,035 | $8,121 | $51,913 | $5,398 | $734,007 | $98,993 |
| Year 3 | $60,035 | $8,711 | $51,324 | $5,398 | $725,296 | $107,704 |
| Year 4 | $60,035 | $9,344 | $50,691 | $5,398 | $715,952 | $117,048 |
| Year 5 | $60,035 | $10,022 | $50,013 | $5,398 | $705,930 | $127,070 |
| Year 6 | $60,035 | $10,750 | $49,285 | $5,398 | $695,180 | $137,820 |
| Year 7 | $60,035 | $11,530 | $48,504 | $5,398 | $683,650 | $149,350 |
| Year 8 | $60,035 | $12,368 | $47,667 | $5,398 | $671,282 | $161,718 |
| Year 9 | $60,035 | $13,266 | $46,769 | $1,799 | $658,017 | $174,983 |
| Year 10 | $60,035 | $14,229 | $45,806 | — | $643,788 | $189,212 |
| Year 11 | $60,035 | $15,262 | $44,773 | — | $628,526 | $204,474 |
| Year 12 | $60,035 | $16,370 | $43,665 | — | $612,156 | $220,844 |
| Year 13 | $60,035 | $17,559 | $42,476 | — | $594,598 | $238,402 |
| Year 14 | $60,035 | $18,834 | $41,201 | — | $575,764 | $257,236 |
| Year 15 | $60,035 | $20,201 | $39,834 | — | $555,563 | $277,437 |
| Year 16 | $60,035 | $21,668 | $38,367 | — | $533,895 | $299,105 |
| Year 17 | $60,035 | $23,241 | $36,793 | — | $510,654 | $322,346 |
| Year 18 | $60,035 | $24,929 | $35,106 | — | $485,725 | $347,275 |
| Year 19 | $60,035 | $26,739 | $33,296 | — | $458,986 | $374,014 |
| Year 20 | $60,035 | $28,680 | $31,354 | — | $430,306 | $402,694 |
| Year 21 | $60,035 | $30,763 | $29,272 | — | $399,543 | $433,457 |
| Year 22 | $60,035 | $32,997 | $27,038 | — | $366,546 | $466,454 |
| Year 23 | $60,035 | $35,392 | $24,642 | — | $331,154 | $501,846 |
| Year 24 | $60,035 | $37,962 | $22,072 | — | $293,191 | $539,809 |
| Year 25 | $60,035 | $40,719 | $19,316 | — | $252,473 | $580,527 |
| Year 26 | $60,035 | $43,675 | $16,359 | — | $208,797 | $624,203 |
| Year 27 | $60,035 | $46,847 | $13,188 | — | $161,951 | $671,049 |
| Year 28 | $60,035 | $50,248 | $9,787 | — | $111,703 | $721,297 |
| Year 29 | $60,035 | $53,897 | $6,138 | — | $57,806 | $775,194 |
| Year 30 | $60,031 | $57,806 | $2,225 | — | $0 | $833,000 |
Hawaii mortgage data
- Typical home value
- $833,340
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.29%
- $2,416/yr on a $833,000 home
- Average homeowners insurance
- $659/yr
- $55/mo
- 2026 conforming loan limit
- $1,249,125 – $1,299,500
- 5 counties
- High-cost counties
- 5
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $1,249,125 – $1,299,500
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Hawaii?
Highest price where principal, interest, Hawaii property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $163,000 | $16,300 | 20% |
| $75,000 | $1,750 | $249,000 | $24,900 | 30% |
| $100,000 | $2,333 | $335,000 | $33,500 | 40% |
| $125,000 | $2,917 | $421,000 | $42,100 | 51% |
| $150,000 | $3,500 | $507,000 | $50,700 | 61% |
| $200,000 | $4,667 | $679,000 | $67,900 | 81% |
| $250,000 | $5,833 | $851,000 | $85,100 | 102% |
Hawaii mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Hawaii property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,101 | $48,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,276 | $55,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,450 | $63,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,624 | $70,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,799 | $78,000 | Conforming |
| $275,000 mortgage | $1,835 | $1,973 | $85,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,148 | $93,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,322 | $100,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,496 | $107,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,671 | $115,000 | Conforming |
| $400,000 mortgage | $2,669 | $2,845 | $122,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,019 | $130,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,194 | $137,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,368 | $145,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,543 | $152,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,717 | $160,000 | Conforming |
| $550,000 mortgage | $3,670 | $3,891 | $167,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,066 | $175,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,240 | $182,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,414 | $190,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,589 | $197,000 | Conforming |
| $675,000 mortgage | $4,504 | $4,763 | $205,000 | Conforming |
| $700,000 mortgage | $4,671 | $4,938 | $212,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,112 | $220,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,286 | $227,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,461 | $235,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,635 | $242,000 | Conforming |
| $825,000 mortgage | $5,505 | $5,810 | $249,000 | Conforming |
| $850,000 mortgage | $5,672 | $5,984 | $257,000 | Conforming |
| $875,000 mortgage | $5,839 | $6,158 | $264,000 | Conforming |
| $900,000 mortgage | $6,006 | $6,333 | $272,000 | Conforming |
| $925,000 mortgage | $6,173 | $6,507 | $279,000 | Conforming |
| $950,000 mortgage | $6,340 | $6,681 | $287,000 | Conforming |
| $975,000 mortgage | $6,506 | $6,856 | $294,000 | Conforming |
| $1,000,000 mortgage | $6,673 | $7,030 | $302,000 | Conforming |
| $1,100,000 mortgage | $7,341 | $7,728 | $332,000 | Conforming |
| $1,200,000 mortgage | $8,008 | $8,425 | $362,000 | Conforming |
| $1,300,000 mortgage | $8,675 | $9,123 | $391,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $9,820 | $421,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $10,518 | $451,000 | Jumbo |
Loan programs compared in Hawaii
$833,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $83,300 | $749,700 | — | $450 PMI | $5,709 | 7.488% |
| FHA | 3.5% · $29,155 | $817,912 | UFMIP $14,067 | $509 MIP | $6,223 | 7.964% |
| VA | 0% · $0 | $850,910 | Funding fee $17,910 | $0 | $5,935 | 7.242% |
| JumboLoan is conforming (≤ $1,249,125) | 20% · $166,600 | $666,400 | — | $0 | $4,703 | 7.030% |
Hawaii high-cost counties (2026)
5 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Kalawao County$1,299,500
- Maui County$1,299,500
- Hawaii County$1,249,125
- Honolulu County$1,249,125
- Kauai County$1,249,125
Frequently asked questions
What is the monthly mortgage payment on a $833,000 home in Hawaii?
$833,000 is the typical Hawaii home value. With 10% down on a conventional loan, the estimated payment is $5,709 per month ($5,003 principal & interest, $201 property tax, $55 insurance, $450 PMI) at 7.03% for 30 years, including Hawaii's 0.29% effective property tax rate.
What is the 2026 conforming loan limit in Hawaii?
$1,249,125 in most counties and up to $1,299,500 in 5 high-cost counties, including Kalawao County, Maui County, Hawaii County.
How much income do I need for a $833,000 home in Hawaii?
About $245,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Hawaii on a $100,000 salary?
About $335,000 with 10% down, keeping the payment (including Hawaii property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Hawaii home ($833,340) needs roughly $245,000 a year.
Explore related calculators
Hawaii calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.