Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Colorado and Hawaii. Updated for 2026.
Metric
Colorado
Hawaii
Median Home Price
$520K
$830K
Property Tax Rate
0.51%
0.28%
Avg Closing Costs
$7K
$12K
Closing Cost %
1.4%
1.5%
Transfer Tax
0.01%
0.2%
Homeowners Insurance
$3,200/yr
$1,200/yr
First-Time Buyer Program
CHFA Down Payment Assistance
Up to $25,000 second mortgage
HHFDC Hula Mae Program
Below-market rate mortgages
Verdict
Colorado wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $520K and lower overall costs, Colorado offers meaningful savings compared to Hawaii. Both states offer first-time buyer programs — explore the state pages for full details.