Calculate your Hawaii mortgage payment with state-specific property tax rates (0.31% average), income tax (1.4% - 11%), and 2026 conforming loan limits.
HI average: 0.31%
Hawaii has the lowest property tax rate in the US but the highest median home prices.
Expensive housing markets may see limits up to $1,209,750.
Hawaii has a state income tax with rates of 1.4% - 11%.
Check what you actually take home.
The average effective property tax rate in Hawaii is 0.31%. Your county assessor can confirm the rate for your address.
Hawaii Housing Finance and Development Corporation offers down payment assistance and favorable loan terms for qualifying first-time buyers in Hawaii.
Confirm on their website.
Each county has its own rate.
Check what you actually take home.
Jumbo territory starts above this.
Confirm on their website.
Down payment floors: 3% to 3.5%, or zero for VA/USDA.