What a Honolulu house pays
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Sent only to free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $1,155,000; your assessed value is often lower. Typical use.
- Property tax$3,623
0.350% of $1,155,000, less $120,000 home exemption
- Electricity$2,957
500 kWh a month $2,957
- Water and sewer$2,109
7,000 gallons a month on Board of Water Supply: water $64, sewer $112 a month
- TrashIncluded
Paid through property tax (per a 2017 Civil Beat report); no separate trash fee found
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A Honolulu house at the typical market value ($1,155,000) pays about $8,700 a year: $3,620 property tax and charges, $2,110 water and sewer, $2,960 electricity; trash is paid through property tax, and home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.
Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Seniors 65+: $160,000 home exemption
Owners who are 65 on or before June 30 before the tax year get a $160,000 exemption instead of $120,000.
How: Claim it through the Real Property Assessment Division.
File the home exemption by September 30
The $120,000 exemption for owners under 65 applies to property owned and occupied as the owner's principal home by September 30 immediately preceding the year it is claimed.
How: File at the Real Property Assessment Division offices (Honolulu or Kapolei), the deadline is September 30.
Free drop-off at city transfer stations
City transfer stations and convenience centers accept rubbish delivered by residents free of charge, two loads per customer per day.
How: Bring it in a car, van or pickup truck.
Money dates
- Sept 30, 2027Deadline to claim the home exemption for the tax year starting July 1, 2028 (home must be owned and occupied by then)
Who serves this house
- Water
- Board of Water Supply
- Board of Water Supply rate schedule (FY 2024 to FY 2029): a customer charge each month by meter size, plus a quantity charge per 1,000 gallons, with the July 1, 2026 column used here.
- Property tax
- 0.35% of value
- 2026-27 tax year, City and County of Honolulu
- Garbage
- City and County of Honolulu Refuse Division
- The city uses property tax revenue to pay for the collection services.
- Sewer
- Department of Environmental Services
- Monthly base charge plus a charge per 1,000 gallons of water used.
- Electricity
- Hawaiian Electric
- Schedule R residential rate.
How these numbers are made
- Property tax uses the Residential class rate of $3.50 per $1,000 of net taxable value for July 1, 2026 to June 30, 2027, with the $120,000 home exemption; Residential A (non-owner-occupied) rates are higher and not used.
- The starting value is the Oʻahu single-family median sold price for May 2026, a market price; Honolulu assessments can differ, so use your own assessed value.
- Water uses the Board of Water Supply single-family tiers effective July 1, 2026 (per 1,000 gallons) and the 5/8-inch or 3/4-inch customer charge; sewer uses the city's July 1, 2026 base charge plus the consumption charge on 80% of water used (the 20% irrigation discount for homes without a separate irrigation meter, so $11.83 x 0.8 = $9.464 per 1,000 gallons of metered water). The default 9 ccf (6,732 gal/month) of water use is an assumption, not a stated Honolulu typical.
- Electricity uses Hawaiian Electric's October 2026 effective Schedule R: customer charge 13.90 plus the 1.40 Green Infrastructure Fee, with tiered energy rates that include the energy cost recovery factor, which changes monthly. Natural gas is not modeled; most Oʻahu homes are electric.
- Nothing here is legal, tax or insurance advice.
Common questions about Honolulu house costs
What is the property tax rate in Honolulu?
About 0.35% of the value before exemptions a year (2026-27 tax year, City and County of Honolulu), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Honolulu?
About $1,330 a year on $500,000 of the value before exemptions with the home exemption.
How much is the water bill in Honolulu?
About $176 a month for water and sewer at typical use (7,000 gallons a month) on Board of Water Supply.
How much does trash pickup cost in Honolulu?
Paid through property tax (per a 2017 Civil Beat report); no separate trash fee found
Can seniors lower their property tax or bills in Honolulu?
Yes. Claim the home exemption (owner under 65) ($420 a year): Owners who live in the house can take this exemption off their taxable value. It doesn't apply automatically everywhere, and it can drop off after a sale or a transfer into a trust.
How much does a house in Honolulu cost to run each year?
A Honolulu house at the typical market value ($1,155,000) pays about $8,700 a year: $3,620 property tax and charges, $2,110 water and sewer, $2,960 electricity; trash is paid through property tax, and home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.