$820,000
Median Home Price
$4,955
All-In Monthly (20% down)
Difficult
Affordability on Avg Income
Full Cost Breakdown — 96801 (Honolulu, HI)
Principal & Interest
$4,409/mo
$4,960/mo
Property Tax (0.3%)
$205/mo
$205/mo
Home Insurance (~0.5%)
$342/mo
$342/mo
PMI (if <20% down)
—
$369/mo
Total All-In
$4,955/mo
$5,875/mo
What Salary Do You Need to Buy in 96801?
Using the standard 28% gross income housing rule, you need approximately $212,366/year to comfortably afford the median home in Honolulu, HI with 20% down at today's 7.1% rate.
The average household income in Honolulu County is approximately $85,000/year — which means buying the median home here is difficult for the average family.
Calculate Your Personal Costs for 96801
Enter your actual income, down payment, and credit score for a precise estimate.
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Property Tax in 96801 (Honolulu County)
Honolulu County has a property tax rate of approximately 0.3% — below the national average of 1.1%. On a $820,000 home, this equals $205/month or $2,460/year in property taxes.
Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.
Will a Bank Approve You in Honolulu?
Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 96801.
The part almost nobody publishes free
Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.
And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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