Mortgage Rates in Hawaii — April 2026
Compare current mortgage rates across 49 cities in Hawaii. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.
Hawaii Housing Highlights
All 49 Cities in Hawaii
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Honolulu | 6.53% | $875,000 | $4,438 | 350,964 |
| Mokuleia | 6.77% | $560,000 | $2,912 | 49,568 |
| Pearl City | 6.53% | $815,000 | $4,134 | 47,698 |
| Hilo | 6.53% | $455,000 | $2,308 | 45,703 |
| Kailua | 6.53% | $1,150,000 | $5,833 | 40,514 |
| Wailua Homesteads | 6.86% | $765,000 | $4,014 | 39,384 |
| Waipahu | 6.53% | $725,000 | $3,677 | 38,216 |
| Kalaheo | 6.62% | $680,000 | $3,481 | 35,614 |
| Kaneohe | 6.53% | $985,000 | $4,996 | 34,597 |
| Paauilo | 6.86% | $895,000 | $4,696 | 29,501 |
| Kahului | 6.64% | $675,000 | $3,463 | 29,179 |
| Waipio Acres | 6.87% | $725,000 | $3,808 | 28,089 |
| Mililani Town | 6.73% | $786,000 | $4,070 | 27,629 |
| Ewa Gentry | 6.7% | $697,000 | $3,598 | 26,591 |
| Kilauea | 6.79% | $990,000 | $5,158 | 23,871 |
| Kihei | 6.53% | $895,000 | $4,540 | 22,749 |
| Launani Valley | 6.89% | $795,000 | $4,184 | 21,780 |
| Kapolei | 6.53% | $785,000 | $3,982 | 21,541 |
| Naalehu | 6.66% | $665,000 | $3,419 | 21,522 |
| Mililani Mauka | 6.86% | $724,000 | $3,799 | 21,039 |
| Keaau | 6.68% | $885,000 | $4,559 | 20,988 |
| Makakilo | 6.81% | $709,000 | $3,701 | 19,843 |
| Hana | 6.66% | $985,000 | $5,064 | 19,509 |
| Puhi | 6.69% | $665,000 | $3,429 | 19,182 |
| Kahaluu | 6.78% | $915,000 | $4,762 | 19,135 |
| Wahiawa | 6.81% | $634,000 | $3,310 | 17,821 |
| Wailuku | 6.85% | $766,000 | $4,015 | 17,697 |
| Schofield Barracks | 6.81% | $697,000 | $3,639 | 16,370 |
| Ocean Pointe | 6.72% | $698,000 | $3,611 | 16,147 |
| Ewa Beach | 6.73% | $637,000 | $3,298 | 14,955 |
| Kailua-Kona | 6.78% | $747,000 | $3,888 | 14,627 |
| Royal Kunia | 6.64% | $762,000 | $3,909 | 14,525 |
| Halawa | 6.86% | $699,000 | $3,668 | 14,014 |
| Waimalu | 6.65% | $710,000 | $3,646 | 13,730 |
| Waianae | 6.65% | $718,000 | $3,687 | 13,177 |
| Lahaina | 6.7% | $625,000 | $3,226 | 13,101 |
| Nanakuli | 6.68% | $611,000 | $3,148 | 12,666 |
| Village Park | 6.68% | $627,000 | $3,230 | 11,730 |
| Waipio | 6.68% | $643,000 | $3,312 | 11,674 |
| Hawaiian Paradise Park | 6.77% | $619,000 | $3,218 | 11,404 |
| Kapaa | 6.83% | $625,000 | $3,270 | 10,699 |
| Aiea | 6.82% | $635,000 | $3,319 | 9,338 |
| Ahuimanu | 6.8% | $630,000 | $3,286 | 8,810 |
| Waikoloa Village | 6.76% | $581,000 | $3,018 | 7,753 |
| Pukalani | 6.8% | $701,000 | $3,656 | 7,607 |
| Lihue | 6.75% | $666,000 | $3,456 | 7,571 |
| Laie | 6.62% | $597,000 | $3,057 | 6,138 |
| Hauula | 6.7% | $545,000 | $2,813 | 4,148 |
| Kaanapali | 6.76% | $571,000 | $2,966 | 1,295 |
Hawaii Mortgage Rates Guide — 2026
Hawaii homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $725,408. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $3,748.
The most affordable city for homebuyers in Hawaii is Hilo, where the median home price is $455,000. On the other end, Kailua has the highest prices at $1,150,000. Property tax rates across the state average 0.28%.
To comfortably afford a home at the state average price, a household income of approximately $160,629 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Hawaii Mortgages
What are current mortgage rates in Hawaii?
As of April 2026, the average 30-year fixed mortgage rate in Hawaii is 6.71% and the 15-year fixed rate averages 5.95%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Hawaii?
The median home price across 49 cities in Hawaii is $725,408. Prices range from $455,000 in Hilo to $1,150,000 in Kailua.
How much income do I need to buy a house in Hawaii?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $160,629 to comfortably afford the average home in Hawaii. The median household income in the state is approximately $79,591.
Browse Mortgage Rates by State
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