🏦 Mortgage Calculators Hawaii

How Much House Can I Afford in Hawaii?

Find out how much house you can afford in Hawaii with 0.28% property tax. Uses 28/36 rule with Hawaii-specific data.

Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

Hawaii Quick Facts

11.0% Income Tax Rate

0.28% Property Tax Rate

$84,857 Median Income

193.3 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Calculates home affordability in Hawaii using the 28/36 rule. Maximum 28% of gross monthly income for housing (PITI). Includes Hawaii's effective property tax rate of 0.28% and average home insurance of $1,250/year. Median home price in Hawaii: $830,000.

Key State Information

Hawaii housing market: Median home price $830,000 | Property tax rate 0.28% | Avg home insurance $1,250/yr | Median household income $84,857. Homes are expensive relative to income.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Zillow, Tax Foundation

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

How much house can I afford on the median income in Hawaii?

With Hawaii's median household income of $84,857 and a 10% down payment, you can typically afford a home priced around $297,000-$381,857 depending on debts and interest rates. The median home in Hawaii costs $830,000.

What is the property tax rate in Hawaii?

Hawaii's effective property tax rate is 0.28%. On a $830,000 home, that's approximately $2,324/year or $194/month.