Hawaii Mortgage Calculator
Calculate your monthly mortgage payment for homes in Hawaii, factoring in local property taxes, home insurance, and HOA fees.
Why calculating mortgage in Hawaii is different
Hawaii has a progressive income tax and unique general excise tax system instead of traditional sales tax.
State Income Tax
1.4% - 11%
Base Sales Tax
4%
State Min Wage
$14.00 / hr
Abbreviation
HI
Hawaii Mortgage Interactive Tool
This calculator uses the latest 2026 data for Hawaii, including the minimum wage of $14.00 and the specific state income tax rates (1.4% - 11%).
Frequently Asked Questions about Hawaii Mortgage
How much are typical closing costs in Hawaii?
Closing costs in Hawaii typically range from 2% to 5% of the total loan amount. This includes state-specific mortgage recording taxes and title fees.
Should I buy a home in Hawaii?
Buying a home in Hawaii requires factoring in the local property tax rates and home insurance costs, which can vary drastically between different counties.