Buyer Tools
Estimate a monthly payment on a Hawaiʻi Island property, including principal, interest, county property tax, insurance, and association dues.
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.
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.
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.
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
If you would rather start from income than from price, the affordability calculator estimates the purchase price your budget supports.