Cost of Ownership · Hawaii
The true cost of owning a home in Hawaii
For a median $808,200 home in Hawaii, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.
Lender-approved payment
$5,168/mo
PITI + PMI
True monthly cost
$5,842/mo
everything, incl. upkeep
The gap
+$674/mo
what approval leaves out
Effective property-tax rate
0.27%
Avg. homeowners premium
$1,431/yr
NFIP flood claims on record
6,250
These figures use Hawaii’s median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Hawaii ranks on property tax and insurance, or browse every state.