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State

Data from November 2026

Housing , home prices, rents and assistance in Hawaii (2026)

A typical home in Hawaii is worth $839,100; the typical rent is $1,971 a month. Depending on the county, the FHA limit for a one-unit home is between $586,500 and $1,299,500. 17 HUD-approved counseling agencies serve Hawaii; 2 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $519,300
  • $519,300–$873,200
  • $873,200–$897,500
  • $897,500–$904,700
  • $904,700 or more
  • 1 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$839,100
152% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,971
39% more than the U.S.
U.S.: $1,413
Typical household income
$100,389
24% more than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$586,500 to $1,299,500
It changes by county. The highest applies in 2 counties.
U.S.: $541,287 to $1,299,500
Property tax
0.27%
of value a year
The typical bill is $2,239 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Hawaii

A typical home in Hawaii is worth $839,100, 152% more than in the country overall. Across its 5 counties, the typical value runs from $519,300 in Hawaii County to $904,700 in Maui County. A typical household earns $100,389 a year and pays $1,971 a month in rent; 57% of renters put 30% or more of their income toward housing. 63% of households live in a home they own; they pay a typical property tax of $2,239 a year, about 0.27% of value.

The conforming loan limit for a one-unit home runs from $1,249,125 to $1,299,500 depending on the county. To pay HUD’s fair rent for a 2-bedroom apartment in Hawaii ($2,467) without spending more than 30% of income, you need about $47.44 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Hawaii

More on property tax

  • Each county runs its own property tax

    Hawaii has four counties, and each county administers real property taxes and motor vehicle taxes. For more information, the Department of Taxation says to visit your county's website.

    Hawaii Department of Taxation · Verified October 24, 2026

  • State conveyance tax, by property value

    The seller or other person transferring the property is generally the one subject to the conveyance tax. It is figured by multiplying the full price by a single rate set by value: 10 cents per $100 under $600,000; 20 cents from $600,000 to under $1 million; 30 cents from $1 to under $2 million; 50 cents from $2 to under $4 million; 70 cents from $4 to under $6 million; 90 cents from $6 to under $10 million; and $1 from $10 million up. When a house or condominium is sold to a buyer who is ineligible for the county homeowner's exemption, the rates are higher: 15 cents to $1.25 per $100.

    Hawaii Department of Taxation (Instructions for Form P-64A, Rev. 2025) · Verified October 24, 2026

The homes here

Housing in Hawaii

What homes there are in Hawaii, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Hawaii, but it weighs less than in the U.S.: 54% against 61%.

Year built

In Hawaii, half of the homes were built before 1980; in the U.S., before 1980.

There are fewer big homes in Hawaii than in the U.S.: 56% have 3 bedrooms or more, against 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Hawaii is $1M or more: that is where 35% of owner-occupied homes sit.

Monthly rent with utilities

The largest group of rented homes in Hawaii pays $3,000 or more a month: 22%.

With a mortgage

$2,904 a month

United States: $1,963 a month

Without a mortgage

$697 a month

United States: $638 a month

Owners with a mortgage

63%

United States: 61%

In Hawaii, 63% of owners have a mortgage, and their typical cost is $2,904 a month, against $1,963 in the U.S.. Without one it drops to $697.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Hawaii gained value more slowly than in the U.S.: 36% since 2015–2019, against 53%.

Rents in Hawaii rose more slowly than in the U.S.: 22% since 2015–2019, against 33%.

The typical household income in Hawaii rose 24% over that time; home values changed +36% and rent +22%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHawaiiUnited States
Rental vacancy 7.4%5.5%
Homeowner vacancy 0.9%0.9%
More than one person per room 8.8%3.4%
People per household 2.852.53
Drive alone 65%69%
Carpool 14%9%
Public transit 4%3%
Walk or bike 5%3%
Work from home 10%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In Hawaii, the rental vacancy rate is 7.4%; in the U.S., 5.5%.

More households are short on space in Hawaii: 8.8% have more than one person per room; in the U.S., 3.4%.

On average, a household in Hawaii has 2.85 people, more than in the U.S. (2.53).

In Hawaii, 14% of workers share a car to get to work; in the U.S., 9%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Hawaii

Sort by any column. Each name leads to its page.

See the counties page
Population, typical home value, FHA limit, 2-bedroom fair rent and typical income by county in Hawaii
Honolulu County1,001,146$897,500$828,000$2,542$106,195
Hawaii County205,769$519,300$586,500$2,081$78,639
Maui County164,522$904,700$1,299,500$2,656$97,161
Kauai County73,731$873,200$1,110,900$2,105$97,668
Kalawao County67—$1,299,500$2,326—

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Hawaii

Start from the typical home value in Hawaii, $839,100, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Hawaii

$
%

Estimated monthly payment

$6,491

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Hawaii rose 73% in the 10 years through 2025.

Price change each year

Period Hawaii United States
In 2025 +2.9% +2.9%
5 years (2020–2025) +46% +47%
10 years (2015–2025) +73% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Hawaii were 10% higher than the U.S. average. Housing rents were 25% higher than nationwide.

Category Hawaii United States Versus the U.S.
All prices Consumer goods and services 110.0 100.0 10% more
Housing rents What renters pay 125.3 100.6 25% more
Water, power and gas Water, sewer, electricity and gas 190.2 98.4 93% more
Goods Food, clothing, transportation and more 111.6 99.6 12% more
Other services Services other than rent 102.9 100.1 3% more

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Hawaii 2.7% of homes (8,317) are in a high-risk flood zone. Of those homes, 88% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Hawaii United States
Homes in a high-risk zone 2.7% 3.5%
Of those, with NFIP insurance 88% 48%
All homes with NFIP insurance 3.9% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Hawaii

The 10 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (48)

    Help to buy

    Assistance programs in Hawaii

    Our list has 2 official programs that help you buy in Hawaii. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. Hale Kamaʻāina Mortgage Program

      Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published. Offered by Hawaiʻi Housing Finance & Development Corporation (HHFDC).

      Type not stated Verified November 5, 2026

    2. Down Payment Loan Program

      Only in: Honolulu County

      City and County of Honolulu loan, with federal HOME funds, of up to $40,000 at 0% and with no fees, for the down payment only, repaid over 20 years; for first-time buyers on Oʻahu with incomes up to 80% of the area median who put down at least 5% of the price. Offered by City and County of Honolulu Department of Community Services (DCS).

      Repayable Verified November 5, 2026

    Tenant rights

    Tenant rights in Hawaii

    Hawaii law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      A landlord may require a security deposit of up to one month's rent. If the rental agreement lets a pet live in the home, the landlord may add a pet deposit of up to one month's rent. That extra deposit cannot be required if you have no pet, or for an assistance animal you need because of a disability.

      Haw. Rev. Stat. §521-44(b)

    2. When must they return my deposit?

      When the rental agreement ends, the landlord must return the deposit, or what remains after the deductions the law allows, no later than 14 days after. If the landlord does not give you the required written notice and information within that time, the landlord cannot keep any of it and must return the entire deposit.

      Haw. Rev. Stat. §521-44(c)

    3. If I fall behind on rent, what notice must I get?

      If you owe rent, the landlord may give you a written notice allowing at least 10 calendar days after you receive it to pay. If you do not pay, the rental agreement ends. A notice posted in a visible place on the home counts as received that same day. A mailed notice counts as received two business days after the postmark date, unless the letter is returned to the landlord as undeliverable.

      Haw. Rev. Stat. §521-68(a)

    4. How much notice ends a month-to-month rental?

      To end a month-to-month tenancy, the landlord must give you written notice at least 45 days ahead. You may move out any time within those last 45 days if you tell the landlord the date and pay prorated rent. If you end it, written notice must be given at least 28 days ahead and you pay rent through the 28th day. If the landlord plans demolition, a condominium conversion or a change to transient vacation rentals, notice must be given at least 120 days ahead.

      Haw. Rev. Stat. §521-71(a)-(c)

    5. Are there limits on late fees?

      If your rental agreement includes a charge for paying rent late, that charge cannot exceed 8 percent of the rent due.

      Haw. Rev. Stat. §521-21(f)

    A father and mother walk their son by the hand down the sidewalk.

    Help and advice

    Who can help you in Hawaii?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    17 HUD-approved counseling agencies serve Hawaii; 2 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    6 public housing authorities run Section 8 vouchers and public housing in Hawaii.

    See all 17 agencies See the housing agencies

    Who runs the help in Hawaii

    • Hawaiʻi Housing Finance and Development Corporation (HHFDC)

      The Hawaiʻi Housing Finance and Development Corporation (HHFDC) offers the Hale Kamaʻāina Mortgage Program, designed for first-time homebuyers. Qualified borrowers may receive a fixed-rate 30-year mortgage with optional down payment assistance. The agency says it prioritizes local families.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Hawaii

    • Filing a discrimination complaint with the Hawaiʻi Civil Rights Commission

      You can file a discrimination complaint with the Hawaiʻi Civil Rights Commission (HCRC). Since May 28, 2026, Act 56 gives one year from when the discrimination happened, or from the last time in an ongoing pattern. The change applies to claims that had not yet expired on that date. If you have questions about your deadline, the HCRC asks you to call (808) 586-8636 right away.

      Hawaiʻi Civil Rights Commission (HCRC) · Verified October 24, 2026

    • Help with insurance complaints

      The Hawaiʻi Insurance Division encourages you to speak with one of its investigators before filing a complaint; sometimes the problem can be resolved without a formal complaint. Call 1-844-808-DCCA (3222), Monday to Friday, 7:45 a.m. to 4:30 p.m. (Hawaiʻi time), except state holidays.

      Hawaiʻi Insurance Division (Department of Commerce and Consumer Affairs) · Verified October 24, 2026

    • Home insurance when private companies will not cover you (HPIA)

      Act 296 expanded the powers of the Hawaiʻi Property Insurance Association (HPIA) to cover people who cannot get homeowners or dwelling fire insurance from private companies. The same law set up a Condominium Loan Fund to help buildings stay insurable.

      Hawaiʻi Insurance Division (Department of Commerce and Consumer Affairs) · Verified October 24, 2026

    Guides

    Guides for you in Hawaii

    We picked them with the numbers of Hawaii. Each one says why it can help you.

    Frequently asked questions about housing in Hawaii

    What is the FHA limit in Hawaii in 2026?

    In Hawaii, the FHA limit for a one-unit home runs from $586,500 to $1,299,500. The highest is in Kalawao County.

    How much does a typical home cost in Hawaii?

    The typical home value in Hawaii is $839,100 (Average 2020–2024, U.S. Census). The highest is in Maui County ($904,700) and the lowest in Hawaii County ($519,300).

    How much does it cost to rent in Hawaii?

    The typical rent in Hawaii is $1,971 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Hawaii?

    At HUD's average fair market rent in Hawaii ($2,467, Fiscal year 2027), about $47.44 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Hawaii?

    The typical property tax in Hawaii is $2,239 a year, about 0.27% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Hawaii?

    There are 17 HUD-approved counseling agencies in Hawaii; 2 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).