Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Hawaii and Idaho. Updated for 2026.
Metric
Hawaii
Idaho
Median Home Price
$830K
$420K
Property Tax Rate
0.28%
0.63%
Avg Closing Costs
$12K
$6K
Closing Cost %
1.5%
1.5%
Transfer Tax
0.2%
None
Homeowners Insurance
$1,200/yr
$1,600/yr
First-Time Buyer Program
HHFDC Hula Mae Program
Below-market rate mortgages
Idaho Housing DPA
Up to 7% second mortgage
Verdict
Idaho wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $420K and lower overall costs, Idaho offers meaningful savings compared to Hawaii. Both states offer first-time buyer programs — explore the state pages for full details.