How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $1,202 per month ($14,424/year) when you move from Hawaii to Washington.
If you sell your median-priced Hawaii home ($830K) and buy in Washington ($580K):
Your Hawaii equity covers the 20% down payment on a median Washington home with $133K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $144K in housing costs alone.
Your dollar stretches further in Washington. The median home costs 30% less than in Hawaii, which translates to a $250K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
Watch out for Washington's 0.98% property tax rate — that's $3,360 more per year than you're used to in Hawaii (0.28%). Property taxes are often the hidden cost that surprises relocating buyers.
When you buy in Washington, expect about $8K in closing costs (1.4% of purchase price). This includes a 1.78% transfer tax. Budget for this amount on top of your down payment.
Washington's WSHFC Home Advantage offers Up to $10,000 DPA. If you haven't owned a home in three years (or are buying in Washington for the first time), you may qualify. Check eligibility requirements and income limits on Washington's housing finance agency website.