Hawaii Mortgage Calculator 2025
Calculate your monthly mortgage payment with Hawaii-specific rates, taxes, and insurance
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Mortgage Calculator
Understanding Your Mortgage
Principal vs Interest
In the early years of your mortgage, most of your monthly payment goes toward interest. As you pay down your loan, more goes toward principal.
Extra Payments
Making even small additional payments can significantly reduce your loan term and save thousands in interest over the life of your loan.
Amortization
An amortization schedule shows how your loan balance decreases over time as you make payments, eventually reaching zero at the end of your loan term.
📊 Hawaii Housing Market Overview 2025
Market Statistics
- Median Home Price:$825,000
- Average Mortgage Rate:6.35%
- Property Tax Rate:0.28%
- Avg. Home Insurance:$900/year
- Market Trend:+4.1% year-over-year
Popular Cities
- 📍Honolulu
- 📍Pearl City
- 📍Hilo
- 📍Kailua
- 📍Waipahu
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💰 Hawaii First-Time Home Buyer Programs
Hawaii Housing Finance DPA
Down payment assistance for low to moderate income buyers
$25,000
$140,000-$180,000
Hula Mae Single Family Program
Below-market interest rates for first-time buyers
Rate reduction 0.5-1%
$150,000
❓ Frequently Asked Questions
What is the average mortgage rate in Hawaii?
The average mortgage rate in Hawaii is currently 6.35% for a 30-year fixed-rate mortgage. Rates vary based on your credit score, down payment amount, and the lender you choose.
What is the median home price in Hawaii?
The median home price in Hawaii is $825,000. The market has experienced +4.1% year-over-year growth.
What is the property tax rate in Hawaii?
The average property tax rate in Hawaii is 0.28% of the home's assessed value. On a median-priced home, this equals approximately $2,310 per year.
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