CALCMONEY // MORTGAGE // HI
Calculate your monthly mortgage payment using Hawaii-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$855,000
7%
0.28%
1.4%–11%
How today's 7% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 7% | — |
| 2024 avg | 7.42% | -0.42% |
| 2023 avg | 7.85% | -0.85% |
| 2022 peak | 7.68% | -0.68% |
| 2021 avg | 3.60% | +3.40% |
| 2020 avg | 3.40% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Hawaii market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $4,551 |
| Property Tax | $200 |
| Homeowners Insurance (est.) | $285 |
| Total Monthly Payment (PITI) | $5,035 |
$171,000
$954,241
$215,793/yr
The median home price in Hawaii is $855,000, 104% above the $420,000 national median. With a median household income of $84,800, the price-to-income ratio is 10.1x.
Property taxes in Hawaii average 0.28% of assessed value, below the 1.1% national average. On the median home, that's $2,394 a year, or $200 added to the monthly payment.
Hawaii levies a state income tax of 1.4%–11% on top of the $5,035/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Day-to-day expenses statewide track at 170 against the national 100 baseline, above average once you look past the mortgage payment itself.
Hawaii's median home price runs 9% higher than California: $785,000 there versus $855,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $684,000 loan saves $30,780 in interest over 30 years.
Compare Top Hawaii Mortgage LendersCalifornia
$785,000 median
DCDistrict of Columbia
$645,000 median
MAMassachusetts
$610,000 median
WAWashington
$590,000 median