Hawaii County, Hawaii Closing Costs
On the $486,400 median Hawaii County home, the county-specific closing items come to about $3,061: transfer tax $486, title insurance $2,575. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Total |
|---|---|---|---|
| $150,000 | $150 | $1,282 | $1,432 |
| $200,000 | $200 | $1,282 | $1,482 |
| $250,000 | $250 | $1,721 | $1,971 |
| $300,000 | $300 | $1,721 | $2,021 |
| $350,000 | $350 | $2,161 | $2,511 |
| $400,000 | $400 | $2,161 | $2,561 |
| $450,000 | $450 | $2,575 | $3,025 |
| $500,000 | $500 | $2,575 | $3,075 |
| $600,000 | $600 | $2,964 | $3,564 |
| $700,000 | $1,400 | $3,327 | $4,727 |
| $800,000 | $1,600 | $3,663 | $5,263 |
| $1,000,000 | $2,000 | $4,262 | $6,262 |
Frequently asked questions
How much are closing costs in Hawaii County?
On the $486,400 median home, the county-specific items come to about $3,061: transfer tax $486, title insurance $2,325 for the owner's policy and $250 for the lender's. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Hawaii County?
The seller customarily pays the Hawaii transfer tax. Who pays the owner's title policy is negotiable; the buyer pays the lender's policy and the mortgage recording fee.
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- Haw. Rev. Stat. Sec. 247-2(1) (owner-occupant / homeowner's-exemption-eligible purchaser rates), Hawaii Revised Statutes Chapter 247
- First American Title Insurance Company, Hawaii Summary of Title Insurance Rates and Fees, effective 01.15.26 (posted rate schedule for use in resale closings of one-to-four family residential property; not First American's complete internal Schedule of Fees)
Figures are computed from the documents above and rounded to the dollar. All sources.
All Hawaii buyer closing costs → Hawaii County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Hawaii County overview