Hawaii seller net sheet calculator

Hawaii sellers pay the conveyance tax, and the rate applies to the whole price: 0.1% under $600,000, 0.2% under $1 million and up from there. Owner’s title costs are commonly shared.

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State Closing date

Hawaii: Conveyance tax: 0.1% to 1%, by price, usually paid by the seller. Owner’s title is usually paid by the buyer and seller together.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $383,540

44%keeps

Sale price$875,000
Commissions−$48,125
- Listing agent commission (3%)est.−$26,250
- Buyer’s agent compensation (2.5%)est.−$21,875
Loans and liens−$440,000
- Mortgage payoff−$440,000
Title and closing−$2,232
- Owner’s title insurance (half)est.−$1,532
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$1,103
- Conveyance tax−$1,750
- Property tax credit (prorated)est.+$647
Net to seller$383,540

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Hawaii sale, worked out

The calculator opens on $875,000, about the median value of an owner-occupied home in Hawaii ($875,900, 2024 Census estimate), with a $440,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $3,335, or 0.38% of the price, for a closing on December 5, 2026. Hawaii’s transfer tax on a $400,000 sale is the 30th highest of the 35 states and DC that have one.

Seller’s costs on $875,000, before commissions and the payoff
Owner’s title insurance (half)est.	−$1,532
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Conveyance tax	−$1,750
Property tax credit (prorated)est.	+$647
Total	−$3,335

A “+” is a credit to the seller: taxes the seller already paid for days after closing.

The conveyance tax and title at other prices

Conveyance tax is 0.1% to 1%, by price, usually paid by the seller. The owner’s policy below is an estimate; your title company’s quote will differ. Buyer and seller usually split it.

Sale price	Whole conveyance tax	Seller usually pays	Owner’s title policy
$250,000	$250	$250	$875est.
$500,000	$500	$500	$1,750est.
$750,000	$1,500	$1,500	$2,625est.
$1,000,000	$3,000	$3,000	$3,500est.
$2,000,000	$10,000	$10,000	$7,000est.

Selling in Hawaii: what to know

Conveyance tax

Hawaii’s conveyance tax is paid by the seller, and each tier’s rate applies to the entire price: 0.1% under $600,000, 0.2% from $600,000, 0.3% from $1 million, 0.5% from $2 million, 0.7% from $4 million, 0.9% from $6 million and 1% from $10 million. So a $999,000 sale pays $1,998 and a $1,000,000 sale pays $3,000. A condo or single-family home sold to a buyer who isn’t eligible for a county homeowner’s exemption pays a higher schedule, from 0.15% up to 1.25%.

Title insurance

Owner’s title costs are commonly split in Hawaii, often described as 60% seller and 40% buyer for standard coverage, with the buyer paying for any extended coverage. The purchase contract sets the split.

Who runs the closing

Escrow companies close Hawaii sales. An attorney isn’t required.

Property taxes

Hawaii county taxes run July 1 to June 30, paid in two halves due August 20 and February 20. Each half is paid early in the period it covers, so the seller is often credited for the prepaid remainder at closing.

Local differences

Nonresident sellers may have income tax withheld at closing under HARPTA. It is a prepayment of Hawaii income tax, not an added cost. A 2026 bill to move the conveyance tax to marginal rates did not pass and may return in 2027.

Selling in Hawaii: questions

How much is the conveyance tax in Hawaii?

Hawaii applies one rate to the whole price by tier: 0.1% under $600,000, 0.2% under $1 million, 0.3% under $2 million, and up to 1% at $10 million or more. A $900,000 sale pays $1,800.

Who pays conveyance tax in Hawaii?

The seller generally pays Hawaii’s conveyance tax.

Why does the buyer matter for Hawaii conveyance tax?

If a condo or single-family home is sold to a buyer who isn’t eligible for a county homeowner’s exemption, such as an investor, a higher schedule from 0.15% to 1.25% applies.

How much are seller closing costs in Hawaii?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Hawaii seller’s costs on a $875,000 sale come to about $3,335 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance (half) $1,532, settlement or escrow fee $600, recording and release fees $100, conveyance tax $1,750, property tax credit (prorated) (a $647 credit). Put in your own numbers above for a closer figure.

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