Safe Rate Local
Learn about the people, housing, costs and businesses across Hawaii
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Hawaii.
True all-in cost — P&I, taxes, insurance & utilities for homes in Hawaii.
Find and compare lenders active near Hawaii.
FEMA flood zones and flood insurance estimates for Hawaii.
Seismic risk and earthquake insurance estimates for Hawaii.
Wildfire exposure and insurance estimates for Hawaii.
As of today, the 30-year fixed mortgage rate for Hawaii is approximately 6.598% (6.635% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for HawaiiThe median home value in Hawaii is $849k. The median monthly rent is $2,160. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Hawaii have increased 12.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,086/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $89k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Hawaii is $107k/year.
Calculate your buying powerThe largest employment sectors in Hawaii are public administration (23%) and healthcare (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.