Hawaii seller net sheet and closing costs
A Hawaii seller pays about $49,841 to close on a $900,000 home. That is 5.5% of the price, with a 5% commission. Without the commission, costs are about $4,841, including $1,800 of transfer tax. $900,000 is close to the typical home value in Hawaii.
See what a Hawaii seller keeps after commission, loan payoffs, title and transfer taxes. We checked Hawaii rates and customs on 2026-09-29. The calculator applies them down to the county.
Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers
Free Hawaii seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$45,000 |
| First mortgage payoff | −$540,000 |
| Conveyance tax (buyer qualifies for homeowner exemption) | −$1,800 |
| Release / satisfaction recording | −$41 |
| Title insurance and settlement | −$2,950 |
| Other closing fees | −$50 |
| Estimated net to seller | $310,159 |
- State transfer tax
- $0.10 to $1.00 per $100 by bracket (whole price)
- Owner's title policy
- Split 50/50
- Seller costs on $900,000
- About $49,841
How much does it cost to sell a house in Hawaii?
A Hawaii seller pays about $49,841 to close on a $900,000 sale. That is 5.5% of the price. It counts a 5% commission. The table also takes out a $540,000 mortgage payoff, which leaves about $310,159. The calculator above shows the same sale.
| Line | Seller |
|---|---|
| Sale price | $900,000 |
| First mortgage payoff | −$540,000 |
| Real estate commission (5%) | −$45,000 |
| Conveyance tax (buyer qualifies for homeowner exemption) | −$1,800 |
| Owner's title insurance policy | −$1,550 |
| Escrow fee | −$600 |
| Survey | −$800 |
| Release / satisfaction recording | −$41 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before the property tax split | $310,159 |
Run it with your own numbers. Pick the county to add local taxes. Enter the closing date to split property taxes.
Does Hawaii have a transfer tax?
Yes. Hawaii charges the conveyance tax (buyer qualifies for homeowner exemption). The rate is $0.10 to $1.00 per $100 by bracket (whole price). The seller usually pays it. Other state rates apply in some cases: Conveyance tax (no homeowner exemption); Conveyance tax (other property).
| Tax | Level | Rate | Who usually pays |
|---|---|---|---|
| Conveyance tax (buyer qualifies for homeowner exemption)Applies: primary residence | State | $0.10 to $1.00 per $100 by bracket (whole price) | Seller |
| Conveyance tax (no homeowner exemption)Applies: single family, condo, townhome; secondary, investment residenceHRS 247-2: higher schedule applies to condominiums and single-family residences where the buyer is ineligible for a county homeowner exemption. | State | $0.15 to $1.25 per $100 by bracket (whole price) | Seller |
| Conveyance tax (other property)Applies: multi family, commercial, land, coop; secondary, investment residenceHRS 247-2: property other than a condo or single-family residence uses the lower schedule. | State | $0.10 to $1.00 per $100 by bracket (whole price) | Seller |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $250 | $0 | $250 |
| $500,000 | $500 | $0 | $500 |
| $1,000,000 | $3,000 | $0 | $3,000 |
Who pays closing costs in Hawaii?
In Hawaii, the seller usually pays the agent commission, their own loan payoff, the conveyance tax (buyer qualifies for homeowner exemption) and half of the owner's title policy. The buyer usually pays the lender fees, the lender's title policy and half of the owner's title policy. Buyer and seller usually split the settlement or escrow fee.
Buyer and seller usually split the owner's title policy in Hawaii. Owner's policy customarily split 60% seller / 40% buyer. In Hawaii, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. An escrow company usually handles the closing.
Escrow closings; escrow fee split. Seller pays conveyance tax and typically the survey/staking.
NetSheet.org is not tied to any title company. The net sheet works with any title or escrow company. See how it compares with title company net sheet tools.
How are property taxes split at closing in Hawaii?
Each side pays the taxes for the days it owns the home. Property taxes in Hawaii are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. The tax year starts in July. Taxes run about 0.3% of the home's value per year. Fiscal year Jul-Jun; halves due Aug 20 (Jul-Dec) and Feb 20 (Jan-Jun), paid in advance of each half. Seller is credited for a paid half after closing and owes an unpaid one through closing.
Sources
Checked 2026-09-29. A net sheet is an estimate. It is not a closing statement or tax advice. The title or escrow company gives the final figures. See a rate that looks wrong? Email [email protected].
Hawaii net sheet questions
Does Hawaii have a real estate transfer tax?
Yes. Hawaii charges the conveyance tax (buyer qualifies for homeowner exemption). The rate is $0.10 to $1.00 per $100 by bracket (whole price). The seller usually pays it. Other state rates apply in some cases: Conveyance tax (no homeowner exemption); Conveyance tax (other property).
How much is the transfer tax on a $500,000 home in Hawaii?
About $500, with no county or city chosen. The seller usually pays it.
How much are seller closing costs in Hawaii?
About $49,841 on a $900,000 sale with a 5% commission. That is 5.5% of the price. The commission is $45,000 of it. Without the commission, closing costs are about $4,841. Local taxes and the property tax split change the final number.
Who pays for title insurance in Hawaii?
Buyer and seller usually split the owner's title policy in Hawaii. Owner's policy customarily split 60% seller / 40% buyer. The buyer pays for the lender's policy.
Who handles the closing in Hawaii?
An escrow company usually handles the closing.
How are property taxes prorated when you sell a home in Hawaii?
Each side pays the taxes for the days it owns the home. Property taxes in Hawaii are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. The tax year starts in July. Taxes run about 0.3% of the home's value per year. Fiscal year Jul-Jun; halves due Aug 20 (Jul-Dec) and Feb 20 (Jan-Jun), paid in advance of each half. Seller is credited for a paid half after closing and owes an unpaid one through closing.
Hawaii net sheets by county
Each county page shows local taxes and a net sheet at the county's typical price.
Hawaii net sheets by city
Here are all 35 Hawaii cities with a page. Each county page lists its own cities.
- Honolulu
- East Honolulu
- Hilo
- Pearl City
- Waipahu
- Kailua (Honolulu County)
- Kaneohe
- Kahului
- Mililani Town
- Ewa Gentry
- Kapolei
- Kailua (Hawaii County)
- Kihei
- Mililani Mauka
- Makakilo
- Wahiawa
- Ocean Pointe
- Wailuku
- Schofield Barracks
- Halawa
- Ewa Beach
- Royal Kunia
- Hawaiian Paradise Park
- Waimalu
- Waianae
- Nanakuli
- Maili
- Kaiminani
- Kapaa
- Waihee-Waiehu
- Kaneohe Base
- Waipio
- Lahaina
- Makaha
- Waimea
Net sheets in other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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