County property tax calculator
Property Tax Calculator for Honolulu County
Honolulu County is among the lowest property tax jurisdictions in the United States. At 0.284%, the effective rate runs roughly half the 1.07% national average — a rare position that gives homeowners a structurally lower carrying cost. The annual tax on a median home of $873,000 comes to just $2,479, or about $207 per month in escrow. Local revenue here is often supplemented through sales tax, tourism, or state programs rather than property tax. For buyers comparing jurisdictions, the difference compounds year after year: over a decade, a lower rate can save tens of thousands in total tax paid. The trade-off, if any, is worth checking against local services and school funding before making a purchase decision. Long-term owners here can often offset a modestly higher purchase price against a higher-tax market through accumulated savings alone. Honolulu County's median home value of $873,000 falls roughly in line with the Hawaii state median. This is a balanced market — neither stretched at the top nor unusually affordable at the bottom. Buyers see a mix of entry-level homes, mid-range move-up inventory, and occasional higher-end listings. Financing flexibility is broad: conventional, FHA, VA, and USDA programs all apply depending on the buyer's profile and the property's location. For budgeting, the county-level median gives a reasonable anchor, though actual pricing varies block by block. Long-term ownership here typically follows the broader regional market rather than running far ahead or behind it.
Property Tax Details
National average is 1.07%
Used to project future tax burden
Annual Property Tax
$0
Insights
Property Tax Landscape in Honolulu County
Honolulu County's 0.284% rate tracks close to Hawaii's average of 0.27%. There is no meaningful deviation for local buyers — the county sits in the middle of the state's tax picture. On a median home, the annual tax burden is close to what a buyer would expect anywhere in Hawaii. This alignment makes the county easy to compare against others in the state without adjusting for tax rate. Escrow analysis follows the same pattern as state peers. For buyers considering multiple counties in Hawaii, this one will feel familiar on the tax line. Within Hawaii, Honolulu County ranks as the 2th highest of 4 counties by effective property tax rate.
Honolulu County's median home value of $873,000 falls roughly in line with the Hawaii state median. This is a balanced market — neither stretched at the top nor unusually affordable at the bottom. Buyers see a mix of entry-level homes, mid-range move-up inventory, and occasional higher-end listings. Financing flexibility is broad: conventional, FHA, VA, and USDA programs all apply depending on the buyer's profile and the property's location. For budgeting, the county-level median gives a reasonable anchor, though actual pricing varies block by block. Long-term ownership here typically follows the broader regional market rather than running far ahead or behind it. Median household income in Honolulu County tracks the Hawaii average at $104,264, giving buyers access to the full range of standard loan programs including conventional, FHA, and USDA where applicable. The price-to-income ratio of 8.4x signals a market where buyers stretch to enter — households at the median allocate a larger share of take-home pay toward housing than in most US markets. Median gross rent runs $2,054 per month, giving renters a baseline to compare against ownership costs in the same market.
Property Tax Scenarios — Honolulu County
These scenarios cover a range of purchase prices that reflect the county's balanced housing mix. Whether buying near the median or stretching toward the upper end, the tax component follows the same effective rate. Use the table below to compare annual and monthly impact across realistic price points.
| Home Value | Annual Tax | Monthly Escrow | 10-Year Total |
|---|---|---|---|
| $435,000 | $1,235 | $103 | $12,354 |
| $655,000 | $1,860 | $155 | $18,602 |
| $875,000 | $2,485 | $207 | $24,850 |
| $1,310,000 | $3,720 | $310 | $37,204 |
| $1,745,000 | $4,956 | $413 | $49,558 |
Frequently asked questions
In a county with one of the lowest tax rates in the country, questions tend to focus on how the lower rate affects long-term ownership cost and what to expect in escrow. Answers below use Honolulu County-specific figures.
What is the property tax rate in Honolulu County?
Honolulu County has an effective property tax rate of 0.284%, among the lowest in the country (national average: 1.07%). On a median home of $873,000, that's about $2,479 per year, or $207 monthly through escrow.
How much are property taxes on a home in Honolulu County?
At the county median of $873,000, annual property taxes run roughly $2,479, collected through mortgage escrow at about $207 per month.
How does Honolulu County compare to Hawaii?
Honolulu County's 0.284% rate is essentially in line with Hawaii's statewide average of 0.27%. The difference equals about $122 per year on a median home.
What is the median income in Honolulu County?
Median household income in Honolulu County is $104,264 (Census ACS 2023). Median gross rent runs $2,054 per month.
Are property taxes deductible in Honolulu County?
Yes, property taxes are deductible on federal returns when you itemize, subject to the SALT cap ($10,000 for most filers). Honolulu County homeowners paying $2,479 annually may benefit if their combined state and local tax burden exceeds the standard deduction.
How are property taxes calculated in Honolulu County?
The county assessor multiplies your home's assessed value by the local tax rate. On a $873,000 home at the county's effective rate of 0.284%, the annual bill is approximately $2,479.
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Disclaimer: This calculator and the content on this page are for educational purposes only. They do not constitute financial, legal, or tax advice. Rates, loan limits, and eligibility criteria vary by lender, location, and borrower profile. Always consult a licensed financial professional before making borrowing decisions. CalcPier is independent and not affiliated with any lender listed on this page.
