Current Hawaii Mortgage Rates

Compare Hawaii mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Hawaii.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Hawaii. Plus, shopping lenders is free and there is no obligation.

Hawaii Mortgage Rates as of May 25, 2024
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Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Hawaii Mortgage Rates

May 25, 2024

Current mortgage rates in Hawaii are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Hawaii Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Hawaii?

Below we offer valuable insights on the housing market and real estate prices in Hawaii. Understand how much you need to make to buy a house in Hawaii, including the mortgage you need. Review the monthy loan payment so you can determine if home ownership in Hawaii is affordable for you. We provide this helpful information to help you decide if living in Hawaii is right for you.

The median home value for Hawaii is $853,248

Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in Hawaii is $178,001

With this income, you could qualify for a $767,924 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Hawaii is $4,122

The median household income for Hawaii is $86,804

Based on this income, you can afford a home valued at approximately $416,096

The home price you can afford to buy based on household income in Hawaii is 49% of the median home value which means housing prices are very expensive. Hawaii ranks 50 out of 50 states for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the real estate market in Hawaii is very expensive


Additional Mortgage Resources for Hawaii Residents

Mortgage Rates for Hawaii Cities

Honolulu Mortgage Rates

Kauai Mortgage Rates

Maui Mortgage Rates