Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Arizona and Hawaii. Updated for 2026.
Metric
Arizona
Hawaii
Median Home Price
$380K
$830K
Property Tax Rate
0.62%
0.28%
Avg Closing Costs
$6K
$12K
Closing Cost %
1.6%
1.5%
Transfer Tax
None
0.2%
Homeowners Insurance
$2,100/yr
$1,200/yr
First-Time Buyer Program
Home Plus AZ
Up to 5% DPA grant
HHFDC Hula Mae Program
Below-market rate mortgages
Verdict
Arizona and Hawaii are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.