Hawaii Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Hawaii. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
6.88%
Avg APR
15yr Fixed
6.28%
Avg APR
Median Price
$820,000
Median home
Monthly P&I
$4,374
30yr at 80% LTV
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Top Mortgage Lenders in Hawaii
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Hawaii
- ✓HHFDC Hula Mae Program
- ✓HHOC Mortgage Program
- ✓Honolulu County First-Time Buyer Program
Mortgage Requirements in Hawaii
- •Min 640 credit score
- •Leasehold land requires lender approval
- •High cost of living means income requirements are strict
Hawaii Housing Market Facts
Hawaii has the highest median home price in the nation outside of a few CA markets.
High-cost loan limits in Honolulu County reach $1,149,825.
Leasehold properties (land lease) are common and require special financing.
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