Free property tax calculator tailored for Hawaii (HI). Calculate instantly with state-specific rates and rules.
Hawaii has an effective property tax rate of 0.28%, producing an average annual bill of $2,741. The US national average is 1.07% — Hawaii's rate is the lowest in the United States, placing it at rank #1 out of 50 states (rank 1 = lowest).
Hawaii has a complex tiered assessment system with different rates by property class and island. Honolulu assesses owner-occupied residential properties at $3.50 per $1,000 of net taxable value. Long-term rentals and non-owner-occupied homes face higher rates of $11.40/$1,000+.
The home exemption for owner-occupants on Oahu is $100,000 off net taxable value ($140,000 for homeowners age 65+). This is a dollar exemption, not a percentage.
No formal appreciation cap, but the tiered rate structure heavily favors owner-occupants, effectively capping the burden for primary residents.
Hawaii's 0.28% effective rate is the lowest in the US, but sky-high home values mean dollar bills are significant. The state's property tax system strongly incentivizes owner-occupancy to maintain community stability.
The median home value in Hawaii is $830,000. Hawaii remains the most expensive state for housing, second only to California in median price. Maui and Honolulu markets are driven by limited supply and strong demand from mainland buyers and retirees. At the 0.28% effective rate, a homeowner at the median value pays roughly $2,741/year in property taxes.
Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.
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