Hawaii (HI) Mortgage Rates Today
Track mortgage interest rates in Hawaii. Current data, local market context, and a payment calculator for HI homebuyers.
Hawaii Housing Market Overview
Hawaii has the highest home prices in the nation by a wide margin, constrained by island land scarcity and elevated construction costs. Condominiums are a common entry point for first-time buyers.
Mortgage rates in Hawaii generally track the national average, with variations based on local lender competition, state-specific programs for first-time buyers, and regional economic conditions. The Honolulu metro area typically represents the most active housing market in the state.
Hawaii Mortgage Calculator
Mortgage Calculator
Estimate only. Does not include taxes, insurance, PMI, or HOA fees.
Frequently Asked Questions
What is the average mortgage rate in Hawaii?
The average 30-year fixed mortgage rate in Hawaii is approximately 6.90%. Actual rates depend on your credit score, down payment, loan amount, and lender.
What is the median home price in Hawaii?
The median home price in Hawaii is approximately $830,000. This varies significantly by city and region within the state.
How do HI mortgage rates compare to the national average?
Hawaii mortgage rates are generally close to the national average but can vary based on local lender competition, state regulations, and property tax levels.
Should I buy a home in Hawaii now?
The decision to buy depends on your personal finances, job stability, and how long you plan to stay. Hawaii's housing market has its own dynamics. Consult a local real estate professional.