State-specific mortgage calculator
Hawaii mortgage calculator
Estimate your monthly mortgage payment in Hawaii using this week’s Freddie Mac benchmark plus Hawaii-specific property tax and insurance defaults. Every input is editable, and borrower comparisons will appear as the dataset grows.
Hawaii has the lowest effective property tax rate in the US but the highest median home price — making the calculator inputs unusually sensitive to small price changes.
Median home price
$840,000
Hawaii 2024-25
20% down payment
$168,000
Loan $672,000
Property tax
0.27%
~$189/mo on this example
Insurance
$1,100
~$92/mo
Mortgage calculator
Your rate starts at this week’s Freddie Mac national average. Change it to the rate you were actually quoted.
Your scenario
Estimated monthly payment
$3,111
Principal & interest$2,770
Property tax$133
Home insurance$208
Loan amount
$400,000
LTV 80.0%
Total interest paid
$597,027
over 30 years
Total cost of loan
$997,027
excluding tax + insurance
What a better rate is worth
Principal + interest on your $400,000 loan at nearby rates.
| Rate | Monthly P+I | vs yours / mo | Over 5 years |
|---|---|---|---|
| 6.900% | $2,634 | −$135 | −$8,107 |
| 7.150% | $2,702 | −$68 | −$4,074 |
| 7.400%yours | $2,770 | — | — |
| 7.650% | $2,838 | +$69 | +$4,112 |
Year-by-year amortization schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | $3,760 | $29,474 | $396,240 |
| 2 | $4,048 | $29,186 | $392,192 |
| 3 | $4,358 | $28,876 | $387,834 |
| 4 | $4,692 | $28,543 | $383,143 |
| 5 | $5,051 | $28,184 | $378,092 |
| 6 | $5,437 | $27,797 | $372,655 |
| 7 | $5,854 | $27,381 | $366,801 |
| 8 | $6,302 | $26,932 | $360,499 |
| 9 | $6,784 | $26,450 | $353,715 |
| 10 | $7,304 | $25,930 | $346,411 |
| 11 | $7,863 | $25,371 | $338,548 |
| 12 | $8,465 | $24,769 | $330,083 |
| 13 | $9,113 | $24,121 | $320,970 |
| 14 | $9,811 | $23,423 | $311,159 |
| 15 | $10,562 | $22,672 | $300,597 |
| 16 | $11,371 | $21,864 | $289,227 |
| 17 | $12,241 | $20,993 | $276,986 |
| 18 | $13,178 | $20,056 | $263,807 |
| 19 | $14,187 | $19,047 | $249,620 |
| 20 | $15,273 | $17,961 | $234,347 |
| 21 | $16,443 | $16,791 | $217,904 |
| 22 | $17,702 | $15,532 | $200,202 |
| 23 | $19,057 | $14,177 | $181,145 |
| 24 | $20,516 | $12,718 | $160,629 |
| 25 | $22,087 | $11,147 | $138,542 |
| 26 | $23,778 | $9,456 | $114,764 |
| 27 | $25,598 | $7,636 | $89,166 |
| 28 | $27,558 | $5,676 | $61,608 |
| 29 | $29,668 | $3,566 | $31,940 |
| 30 | $31,940 | $1,295 | $0 |
Principal + interest only; excludes tax, insurance, and PMI.
More on Hawaii mortgage rates