The state of Hawaii outlined with the state flag overlaid on top of it


VA Loans in Hawaii

The VA Loan is one of the most powerful tools available exclusively for military families and veterans. In Hawaii, veterans and active-duty military have been taking advantage of the benefits of the VA Loan in cities such as Honolulu, Hilo, Pearl City, Waipahu, and Kailua

The cost of homes across the United States has been steadily increasing in recent years. With a $0 down payment requirement, no PMI, lower interest rates, and a more relaxed credit score requirement, the VA Loan is making homeownership a reality for more military families and veterans in Hawaii now than ever before. 

Median Sale Price of Homes in Hawaii*





Pearl City






Hawaii Statewide Average


*Data pulled from Redfin (October 2022)


Property Taxes in Hawaii

The state of Hawaii has the lowest property tax rate in the nation at only 0.28%, according to SmartAsset. Even though the rate is the lowest, the median annual tax payment is $1,871, which is much higher than the rest of the nation due to the state having the highest median home value in the United States. There are several tax exemptions in Hawaii that you may be eligible to take advantage of including for senior citizens, disabled residents and veterans, and more.


VA Disability in Hawaii

Common property tax exemptions are reserved for veterans, disabled veterans, seniors over the age of 65, and more. Since these exemptions can vary by county and often have strict qualification standards, not every veteran or homeowner qualifies, but those that do are able to reap the benefits of significant savings.

Disabled veterans in Hawaii that have a 100% service-connected disability can receive a full property tax exemption on their primary residence. Since exemptions can vary based on location (i.e., exemptions in Honolulu may be different from those in Maui County and Kauai), you’ll want to contact your local municipal tax assessor’s office.

Insurance Programs in Hawaii

Natural disasters can happen anytime and are often unexpected or occur suddenly which makes it critical that you and your family are sufficiently covered. The most common natural disasters in Hawaii that homeowners are insured against include tropical storms and flash flooding. The best way to ensure you’re getting the best coverage for your location; we recommend you consult with a licensed insurance company.


Military Presence in Hawaii

Hawaii is home to eleven military bases with at least one base from every military branch. With almost a dozen military bases spread across the state, there are thousands of active duty military personnel and veterans who call Hawaii home. 

VA Home Loan Volume in 2021 in Hawaii*

Total Loans


Average Loan Amount


Total Loan Amount (ALL)


Total Purchase Loans


Total Purchase Loans %


Total IRRRL Loans


Total IRRRL Loans %


Total Cash-Out Loans


Total Cash-Out Loans %


*Data pulled from the Department of Veterans Affairs (April 2022)

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FAQ’s about VA Loans in Hawaii

How do I buy a house in Hawaii? The best way to get started is to give us a call or fill out this form to get started!

How do I find more information about property taxes and exemptions for veterans in Hawaii? Click here to read more details regarding major property tax exemptions in every state.

What are the average interest rates in Hawaii? Interest rates for VA Loans are often lower than the national average rates for conventional loans. Click here to learn more about interest rates.