Property tax by ZIP code in Hawaii
Enter a Hawaii ZIP and see the median property tax paid, median home value, and effective tax rate from the 2020–2024 American Community Survey — plus how it compares to the Hawaii state median.
Look up a Hawaii ZIP code
Enter a 5-digit Hawaii ZIP code above to see its property tax data.
ZIP doesn't have ACS data — typically because it's a PO-box-only ZIP, a single-business ZIP, or a small area where the Census suppresses small-sample estimates. Try a nearby ZIP.
ZIP isn't a Hawaii ZIP code. This page covers Hawaii only. Other states are launching state by state — check back, or use our state-by-state median page in the meantime.
Hawaii has the lowest effective property-tax rate in the country — around 0.27% of value statewide. The reason is mostly arithmetic: home values here are the highest in the US (a statewide median near $839,100), and that very large denominator, combined with low county tax rates, generous owner-occupant exemptions, and a high share of non-resident owners, drives the percentage down. A low rate on an expensive home still produces a real bill.
Enter a 5-digit Hawaii ZIP to see its median property tax, median home value, and effective rate from the US Census American Community Survey 2020–2024 vintage, plus how it compares to the Hawaii state and US national medians. The explainer below covers why there is no statewide rate, how each of the four counties assesses at full market value and sets its own classes and rates, the Honolulu home exemption, and the county circuit-breaker credit.
How Hawaii property tax works
Hawaii is unusual: there is no state property tax. All real-property tax is administered by the four counties — the City and County of Honolulu (Oahu), Maui County, Hawaii County (the Big Island), and Kauai County — and each one sets its own property classes, rates, and exemptions by ordinance. There is no statewide rate to quote; the bill on identical homes can differ sharply from one county to the next. The counties assess property at 100% of fair market value. On Oahu, Honolulu's Real Property Assessment Division sets values as of October 1 of the preceding year and reassesses annually.
Rates are stated per $1,000 of net taxable value and vary by class. For the Honolulu tax year running July 1, 2025 through June 30, 2026, the published rates are $3.50 per $1,000 for the Residential class, while Residential A (higher-value homes that are not owner-occupied) is tiered at $4.00 per $1,000 on the first $1 million and $11.40 per $1,000 above that. The other counties run their own owner-occupied classes — for example, Maui's owner-occupied Tier-1 rate is $1.65, Hawaii County's homeowner rate is $5.95, and Kauai's owner-occupied rate is $2.59 per $1,000. Because owner-occupant classes are taxed far more lightly than non-resident or investor classes, who lives in the home matters as much as where it is.
Each county offers an owner-occupant home exemption that lowers taxable value. On Oahu, the Honolulu home exemption subtracts $120,000 from a primary residence's assessed value (or $160,000 for owners age 65 and older); those amounts hold through June 30, 2027 and are scheduled to rise to $140,000 and $180,000 on July 1, 2027. Honolulu also runs a Real Property Tax Credit — a circuit breaker that caps the tax at 3% of the titleholders' combined gross income for owner-occupants who have a home exemption, own no other property anywhere, and have combined gross income of $80,000 or less; it must be applied for each year. Maui, Hawaii County, and Kauai each administer their own owner-occupant exemptions and tiered classes.
Why your actual bill differs
The numbers above describe a typical homeowner in this ZIP — not your specific bill. A few things move bills away from the median:
- Which county you're in. With no state rate, your bill is set entirely by your county's ordinance — so the same home would be taxed differently on Oahu than on Maui, the Big Island, or Kauai.
- Your property's class. Owner-occupant classes are taxed far more lightly than non-resident, Residential A, or investor classes. A ZIP heavy with second homes and rentals can show a higher median than the owner-occupant rate would imply.
- Exemptions and credits. A Honolulu home exemption ($120,000, or $160,000 at 65+) and the 3%-of-income circuit-breaker credit each pull a qualifying owner's bill below the median; other counties run their own versions.
Hawaii has no statewide bill lookup — each county runs its own. On Oahu, Honolulu's parcel and record search (linked from the Real Property Assessment Division) is a working example; for Maui, Hawaii County, or Kauai, search your county's real-property tax site.
Methodology
Data on this page comes from the US Census American Community Survey 5-year estimates, 2020–2024 vintage (released January 29, 2026), at the ZIP Code Tabulation Area (ZCTA) level. After filtering ZCTAs the Census suppresses for privacy or small-sample reasons, this page covers 78 Hawaii ZIPs.
Topcoding in Hawaii. The Census caps median property tax at $10,000, reporting anything higher as $10,001. Hawaii's home values are the highest in the nation, but its county tax rates are so low that a typical owner-occupant bill stays under the cap — and median values sit below the $2,000,001 value cap too — so the figures here are true medians.
See the full methodology page for source details (Census table IDs, the comparison-median rule, calculator formulas), how we handle topcoding across every state, and the refresh cadence.
Frequently asked questions
Why is the median tax in my ZIP different from what I pay?
Median is the middle of the distribution, not your bill. Hawaii has no state property tax — each of the four counties sets its own classes, rates, and exemptions. Your bill depends on which county you're in, your property's class (owner-occupant rates run far below investor rates), and whether you claim a county home exemption.
Why might my ZIP show $10,001 as the median tax?
That's the Census topcode for privacy, but it's essentially absent in Hawaii — even with the highest home values in the country, the counties' very low rates keep typical owner-occupant medians under the $10,000 cap, so the figures here are true medians.
Where do I find my actual Hawaii property tax bill?
Through your county's real-property tax office; there's no statewide portal. On Oahu, Honolulu's parcel and record search is a working example. Maui, Hawaii County, and Kauai each run their own.
When does Hawaii data update on this page?
Annually, when the Census Bureau releases a new ACS 5-year vintage. The 2020–2024 vintage released January 29, 2026. The next vintage (2021–2025) typically follows the next year, though the Census has not yet posted its release date.
Why don't you cover other states yet?
State-by-state rollout. Each state needs its own context section (assessment method, exemptions, local taxing structure) to be genuinely useful. High-search-volume states are going live first.