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Honolulu County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Honolulu County, Hawaii based on real HMDA transaction records.

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Honolulu County, HI Benchmarks

FHA averages
Typical Property Value$664,595
Average Down Payment14.4%
Average Interest Rate5.969%
Effective Tax Rate0.31%
$
%

$95,702 down · $568,893 financed

Estimated Monthly Payment

$4,022/mo

  • Principal & Interest$3,459
  • Property Tax$172
  • Home Insurance$150
  • FHA MIP$241
Amortization · Remaining Balance

Financed Loan Amount

$578,849

Total Interest

$666,512

Total of Payments

$1,245,361

*Includes financed FHA Upfront MIP of $9,956

Local Market Insights

Honolulu County FHA Mortgage Overview

For Honolulu County homebuyers, the 14.40% average down payment on an FHA loan provides accessible entry, but requires mandatory Mortgage Insurance Premiums (MIP) for the loan's life, regardless of equity. With a high 85.60% loan-to-value ratio and 100% owner-occupancy, this market favors buyers with sub-620 credit scores seeking a primary residence. The 0.31% effective property tax rate is low, and the -0.2% inflation-adjusted tax change offers slight relief, improving monthly affordability when evaluating an FHA loan with PMI and taxes in Honolulu County, HI. These Honolulu County FHA loan limits and tax factors create a stable, cost-effective path for local buyers.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.