Property Tax in Hawaii (2026): Rates, Exemptions, and Real Numbers

Hawaii Property Tax Rates by County

Highest and lowest effective rates within Hawaii

Property Tax Calculator — Hawaii

Pre-loaded with Hawaii's 0.27% effective rate and $841,700 median price

Property Tax by City in Hawaii

Annual and monthly property tax by city, based on local median prices and the statewide effective rate

Hawaii Homestead Exemption

How Hawaii Assesses Property Values

Assessment cycle: Annual assessment to 100% of market value by county real property assessment divisions. Hawaii has 4 counties (Honolulu, Maui, Hawaii, Kauai) — each administers its own property tax.

Property Tax's Impact on Your True Monthly Cost

On a $841,700 home in Hawaii

Property tax represents 3% of the true monthly cost in Hawaii.

Mortgage Calculator Including Property Tax — Hawaii

See your full PITI (principal, interest, taxes, insurance) payment

How Hawaii's Property Tax Affects Affordability

$189/month in property tax reduces the home price you can afford. Use the affordability calculator to see the real impact.

Property Tax After Refinancing in Hawaii

Refinancing changes your P&I but not your property tax. If your home was reassessed at a higher value, your tax bill increases regardless of your rate.

Frequently Asked Questions

What is the property tax rate in Hawaii?

Hawaii's effective property tax rate is 0.27%, ranking #51 nationally. The median annual property tax bill is $2,273 ($189/month). Rates range from 0.26% in Honolulu County to 0.32% in Hawaii County (Big Island). Source: Tax Foundation Property Taxes by State 2024.

Does Hawaii have a homestead exemption?

Yes — Hawaii offers a homestead exemption for primary residences. Home Exemption: owner-occupied primary residences receive a $100,000 exemption from assessed value (Honolulu; other counties vary). Owners 65+ receive a higher exemption of $120,000–$160,000. Long-term rentals excluded. Owner must file a claim by September 30.. Apply through your county assessor's office after purchasing your home.

How often is property reassessed in Hawaii?

Hawaii reassesses property on a annual assessment to 100% of market value by county real property assessment divisions. hawaii has 4 counties (honolulu, maui, hawaii, kauai) — each administers its own property tax. basis. When your property is reassessed, your tax bill changes based on the new assessed value multiplied by the applicable rate. If you believe your assessment is too high, you can appeal — most counties allow 30-90 days after receiving your assessment notice.

How is property tax calculated in Hawaii?

Property tax = Assessed Value × Mill Rate (or effective rate). In Hawaii, the effective rate is 0.27% of market value. On a $841,700 home: $841,700 × 0.27% = $2,273/year. Assessments may use a fraction of market value — the effective rate accounts for this.

Can I appeal my property tax assessment in Hawaii?

Yes. If your assessed value is higher than comparable sales in your area, you can file an appeal with your county assessment board. Steps: (1) Get your assessment notice, (2) Research comparable recent sales, (3) File an appeal by the deadline (typically 30-90 days from assessment notice). Studies show 20-40% of appeals result in a reduction. The process is free and you represent yourself — no attorney required.

Are property taxes included in my mortgage payment in Hawaii?

Most lenders require an escrow account that collects $189/month ($2,273/year ÷ 12) along with your mortgage payment, then pays the county on your behalf. If your loan-to-value is below 80%, you may be able to opt out of escrow and pay taxes directly. Note: if your assessed value rises, your escrow payment adjusts and your total monthly cost increases.

What Hawaii counties have the highest and lowest property taxes?

Hawaii's highest effective rate is in Hawaii County (Big Island) at 0.32%. The lowest is Honolulu County at 0.26%. That's a 0.06% spread — on a $841,700 home, the difference is $505/year.