Hawaii mortgage calculator with property tax and insurance
Median home price in Hawaii: $640,000. Effective property tax 0.32%/yr, homeowners insurance ≈ $700/yr. Rates updated Oct 8, 2026.
Payment by loan term
| Term | P&I | All-in | Total interest |
|---|---|---|---|
| 10 yr | $6,078 | $6,307 | $217,304 |
| 15 yr | $4,746 | $4,975 | $342,335 |
| 20 yr | $4,125 | $4,354 | $477,913 |
| 30 yr | $3,580 | $3,809 | $776,792 |
Adjust the numbers
Monthly breakdown
Total interest $776,792 · total PMI $0 · paid off in 30 years
Compare loan terms
| Term | Monthly (P&I) | Total monthly | Total interest |
|---|---|---|---|
| 10 years | $6,078 | $6,307 | $217,304 |
| 15 years | $4,746 | $4,975 | $342,335 |
| 20 years | $4,125 | $4,354 | $477,913 |
| 30 years | $3,580 | $3,809 | $776,792 |
Amortization schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $38,240 | $4,720 | $507,280 |
| 2 | $37,874 | $5,086 | $502,194 |
| 3 | $37,479 | $5,481 | $496,713 |
| 4 | $37,053 | $5,907 | $490,806 |
| 5 | $36,595 | $6,365 | $484,441 |
| 6 | $36,100 | $6,859 | $477,582 |
| 7 | $35,568 | $7,392 | $470,190 |
| 8 | $34,994 | $7,966 | $462,225 |
| 9 | $34,376 | $8,584 | $453,641 |
| 10 | $33,709 | $9,250 | $444,390 |
| 11 | $32,991 | $9,969 | $434,422 |
| 12 | $32,217 | $10,742 | $423,679 |
| 13 | $31,383 | $11,576 | $412,103 |
| 14 | $30,485 | $12,475 | $399,628 |
| 15 | $29,516 | $13,444 | $386,185 |
| 16 | $28,473 | $14,487 | $371,697 |
| 17 | $27,348 | $15,612 | $356,085 |
| 18 | $26,136 | $16,824 | $339,262 |
| 19 | $24,830 | $18,130 | $321,132 |
| 20 | $23,422 | $19,537 | $301,594 |
| 21 | $21,906 | $21,054 | $280,540 |
| 22 | $20,271 | $22,689 | $257,852 |
| 23 | $18,510 | $24,450 | $233,402 |
| 24 | $16,612 | $26,348 | $207,054 |
| 25 | $14,566 | $28,394 | $178,660 |
| 26 | $12,362 | $30,598 | $148,062 |
| 27 | $9,986 | $32,973 | $115,089 |
| 28 | $7,427 | $35,533 | $79,556 |
| 29 | $4,668 | $38,292 | $41,264 |
| 30 | $1,696 | $41,264 | $0 |
Showing 360 payments. Schedule assumes a fixed rate and constant home value for PMI cancellation.
Down payment scenarios in Hawaii
| Down | Cash needed | PMI | Monthly |
|---|---|---|---|
| 3% | $19,200 | $285 | $4,854 |
| 5% | $32,000 | $279 | $4,759 |
| 10% | $64,000 | $264 | $4,520 |
| 15% | $96,000 | $249 | $4,282 |
| 20% | $128,000 | $0 | $3,809 |
| 25% | $160,000 | $0 | $3,585 |
Around the Hawaii median price
| Home price | P&I | All-in monthly |
|---|---|---|
| $480,000 | $2,685 | $2,871 |
| $640,000 | $3,580 | $3,809 |
| $800,000 | $4,475 | $4,747 |
| $960,000 | $5,370 | $5,684 |
Detailed payment examples
FAQ
What is the average property tax rate in Hawaii?
Hawaii's effective property tax rate is about 0.32% of home value per year, which is $171 per month on a $640,000 home. Rates vary by county and by exemptions, so treat this as a planning estimate.
How much is homeowners insurance in Hawaii?
A typical Hawaii policy runs around $700 per year ($58 per month). Coastal and hail-prone areas can be significantly higher.
Is a $640,000 home affordable in Hawaii?
At 7.50% with 20% down, the estimated all-in payment is $3,809 per month. Using the 28% rule that implies a household income near $163,000 per year before other debts.