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State: Hawaii

Hawaii Home Affordability Calculator 2026

Low Property Tax State— only 0.32% effective rate

How much house can you afford in Hawaii? With a 0.32% effective property tax (median home: $$2,304/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$388,864

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$104

Median Home

$720,000

Annual Tax

$2,304

Effective Rate

0.32%

Monthly Tax

$192/mo

Hawaii Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$233,318	$1400	$46,664	$1241	$62
$80,000	$311,091	$1867	$62,218	$1654	$83
$100,000	$388,864	$2333	$77,773	$2068	$104
$120,000	$466,637	$2800	$93,327	$2481	$124
$150,000	$583,296	$3500	$116,659	$3101	$156
$200,000	$777,728	$4667	$155,546	$4135	$207

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.32% Hawaii property tax.

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Frequently Asked Questions — Hawaii

What is the property tax rate in Hawaii?: Hawaii has an effective property tax rate of 0.32%. On the median home value of $720,000, that works out to approximately $2,304 per year ($192/month) in property taxes.
How much house can I afford on $100K in Hawaii?: On a $100,000 annual income in Hawaii, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and Hawaii's 0.32% property tax, you can afford approximately $388,864 — with monthly principal & interest of $2068 plus $104/month in property taxes.
How does Hawaii's property tax affect home affordability?: Hawaii's low property tax rate of 0.32% is a significant advantage for home buyers. Lower property taxes reduce your monthly PITI payment, allowing you to qualify for a higher home price at any given income level compared to high-tax states like New Jersey (2.49%) or Illinois (2.27%).
What's included in a mortgage PITI payment?: PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.

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Hawaii Home Affordability Calculator 2026

Low Property Tax State— only 0.32% effective rate

How much house can you afford in Hawaii? With a 0.32% effective property tax (median home: $$2,304/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$388,864

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$104

Median Home

$720,000

Annual Tax

$2,304

Effective Rate

0.32%

Monthly Tax

$192/mo

Hawaii Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$233,318	$1400	$46,664	$1241	$62
$80,000	$311,091	$1867	$62,218	$1654	$83
$100,000	$388,864	$2333	$77,773	$2068	$104
$120,000	$466,637	$2800	$93,327	$2481	$124
$150,000	$583,296	$3500	$116,659	$3101	$156
$200,000	$777,728	$4667	$155,546	$4135	$207

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.32% Hawaii property tax.

Frequently Asked Questions — Hawaii

What is the property tax rate in Hawaii?

Hawaii has an effective property tax rate of 0.32%. On the median home value of $720,000, that works out to approximately $2,304 per year ($192/month) in property taxes.

How much house can I afford on $100K in Hawaii?

On a $100,000 annual income in Hawaii, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and Hawaii's 0.32% property tax, you can afford approximately $388,864 — with monthly principal & interest of $2068 plus $104/month in property taxes.

How does Hawaii's property tax affect home affordability?

Hawaii's low property tax rate of 0.32% is a significant advantage for home buyers. Lower property taxes reduce your monthly PITI payment, allowing you to qualify for a higher home price at any given income level compared to high-tax states like New Jersey (2.49%) or Illinois (2.27%).

What's included in a mortgage PITI payment?

PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.