Home and mortgage

Hawaii Mortgage Calculator

Your monthly mortgage payment in Hawaii, with Hawaii's effective property tax rate (0.27%) built in, at this week's average rate. The calculator starts at the state's median home value, $839,100.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$4,900.29The answer

Monthly payment

$4,900.29

A $839,000 home with 20% down ($671,200 borrowed) at 7.18% over 30 years costs about $4,900 a month: $4,547 principal and interest plus $353 of tax, insurance and dues.

Principal and interest: $4,546.94
Tax, insurance, PMI and HOA: $353.34
Total interest over the loan: $965,699

Amortization by year: $671,200 at 7.18%

Year	Interest	Principal	Balance
1	$47,978.26	$6,585.05	$664,614.95
2	$47,489.58	$7,073.73	$657,541.21
3	$46,964.63	$7,598.68	$649,942.53
4	$46,400.73	$8,162.58	$641,779.95
5	$45,794.98	$8,768.33	$633,011.62
6	$45,144.28	$9,419.04	$623,592.58
7	$44,445.28	$10,118.03	$613,474.55
8	$43,694.42	$10,868.89	$602,605.66
9	$42,887.83	$11,675.48	$590,930.18
10	$42,021.39	$12,541.92	$578,388.26
11	$41,090.64	$13,472.67	$564,915.59
12	$40,090.83	$14,472.48	$550,443.11
13	$39,016.82	$15,546.49	$534,896.62
14	$37,863.10	$16,700.21	$518,196.41
15	$36,623.77	$17,939.54	$500,256.87
16	$35,292.47	$19,270.84	$480,986.03
17	$33,862.37	$20,700.94	$460,285.08
18	$32,326.14	$22,237.17	$438,047.91
19	$30,675.90	$23,887.41	$414,160.50
20	$28,903.21	$25,660.10	$388,500.40
21	$26,998.96	$27,564.36	$360,936.04
22	$24,953.39	$29,609.92	$331,326.12
23	$22,756.02	$31,807.29	$299,518.83
24	$20,395.58	$34,167.73	$265,351.10
25	$17,859.97	$36,703.34	$228,647.76
26	$15,136.20	$39,427.11	$189,220.64
27	$12,210.29	$42,353.02	$146,867.62
28	$9,067.25	$45,496.07	$101,371.56
29	$5,690.96	$48,872.36	$52,499.20
30	$2,064.11	$52,499.20	$0.00

Download the schedule (CSV)

This week's mortgage rates

Monthly payment in Hawaii by home price (20% down, 7%, 30 years, 0.27% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$420,000	$2,235	$93	$2,496
$630,000	$3,353	$140	$3,660
$840,000	$4,471	$187	$4,824
$1,260,000	$6,706	$280	$7,153
$1,680,000	$8,942	$374	$9,482

How this calculator works

As the mortgage calculator, with Hawaii's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $2,239 ÷ median value $839,100.

Questions people ask

What is the mortgage payment on a median home in Hawaii?

On $839,100 with 20% down at 7% over 30 years: about $4,466 principal and interest and $187 of property tax, $4,819 a month with $2,000 a year of insurance.

What is the median home value in Hawaii?

$839,100 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Hawaii?

The effective rate is 0.27%, a median $2,239 a year. See Hawaii's property tax page for every county we cover.

How much income do I need for a median Hawaii home?

Under the 28% guideline, about $206,546 a year for the payment above; Hawaii's median household income is $100,389.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.