: High for condos and townhomes; some cover utilities like electricity and cable, while others do not.
Hawaii has two primary ownership structures that drastically affect property value and financing: Newcomer's Guide: Buying a Home in Hawaiʻi buy house honolulu
Buying a home in Honolulu requires navigating a highly unique and competitive market characterized by limited inventory and specific local legalities. As of early 2026, the market is slightly more favorable for buyers compared to previous years, with increased negotiating power and higher inventory in the condo sector. : High for condos and townhomes; some cover
: Typically range around 1.5% of the loan amount. : High for condos and townhomes
: Electricity, gas, and groceries (e.g., $10 for a gallon of milk) are significantly higher than on the mainland. 2. Understand Ownership Types