Marco In Kona/Mortgage Calculator

Buyer Tools

Kona Mortgage
Calculator

Estimate a monthly payment on a Hawaiʻi Island property, including principal, interest, county property tax, insurance, and association dues.

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Hawaiʻi County rates for fiscal year 2026–27. Most Kona Buyers purchasing a second home are non-residents and fall in the tiered Residential class, with no homeowner exemption. Owner-occupied requires filing for the classification and living there more than 200 days a year.
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County assessed value usually trails the sale price. Enter the assessment if you know it; otherwise the purchase price is a conservative stand-in.
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Defaults to 0.35% of price. Hurricane and lava-zone coverage can push this higher.
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Applied only when the down payment is under 20%.
Estimated monthly payment
$0/mo
 
  • Principal & interest$00%
  • Property tax$00%
  • Insurance$00%
  • HOA & mortgage insurance$00%
Loan amount
$0
Total interest
$0
Effective tax rate
0%
Paid off
 
Talk With Marco

For estimation only. Marco is not a lender and this is not a loan offer or a commitment to lend. Property tax uses Hawaiʻi County rates for fiscal year 2026–27 applied to the value you enter; your actual assessment, exemptions, and insurance will differ.

Most Kona Buyers pay the higher rate

A second home or investment property gets no homeowner exemption and is taxed in tiers: $11.10 per $1,000 up to $2M, $14.50 from $2M to $4M, and $17.00 above $4M. That is roughly double the owner-occupied rate, which is why this calculator defaults to it.

Classification is filed for, not assumed

Owner-occupied at $5.75 per $1,000 requires living in the home more than 200 days a year and filing for the classification. A permitted vacation rental in a resort zone is taxed as Hotel & Resort at $11.55. Getting the class right is worth real money either way.

Assessment is not sale price

The county taxes its own assessed value, which generally trails the market. Using the purchase price, as this calculator does by default, produces a deliberately conservative estimate rather than an optimistic one.

Also Useful

Work the Other Direction

If you would rather start from income than from price, the affordability calculator estimates the purchase price your budget supports.

Affordability Calculator