Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Connecticut and Hawaii. Updated for 2026.
Metric
Connecticut
Hawaii
Median Home Price
$405K
$830K
Property Tax Rate
2.15%
0.28%
Avg Closing Costs
$9K
$12K
Closing Cost %
2.1%
1.5%
Transfer Tax
1.25%
0.2%
Homeowners Insurance
$2,100/yr
$1,200/yr
First-Time Buyer Program
CHFA Homebuyer Mortgage
Up to $20,000 DAP loan
HHFDC Hula Mae Program
Below-market rate mortgages
Verdict
Hawaii wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Connecticut has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.