Hawaii vs North Dakota
Property‑Tax Comparison: Hawaii vs. North Dakota
Short introduction
Both Hawaii and North Dakota levy property taxes on real‑estate owners, but the effective rates and the resulting tax bills differ substantially. Using the most recent data from the U.S. Census Bureau, this article presents a side‑by‑side comparison of key property‑tax metrics and highlights which state has the lower tax burden.
Side‑by‑side comparison
| Metric (2023 ACS 5‑year) | Hawaii | North Dakota |
|---|---|---|
| Effective property‑tax rate | 0.27 % | 0.99 % |
| Median home value | $808,200 | $241,100 |
| Median annual property tax | $2,183 | $2,392 |
| Tax on a $250,000 home | $675 | $2,480 |
| Tax on a $500,000 home | $1,351 | $4,961 |
| Median household income | $98,317 | $75,949 |
| Reference pages | Hawaii property tax | North Dakota property tax |
All figures are drawn from the U.S. Census Bureau's 2023 American Community Survey (5‑year estimates).
Which state “wins” on property taxes?
Winner (lower tax rate): Hawaii
Reasoning
- The effective property‑tax rate in Hawaii is 0.27 %, compared with 0.99 % in North Dakota.
- This represents a rate difference of 0.72 percentage points, or a 72.8 % lower rate in Hawaii.
- For a $250,000 home, the annual tax in Hawaii is $675, versus $2,480 in North Dakota – a difference of $1,805.
- For a $500,000 home, the annual tax in Hawaii is $1,351, versus $4,961 in North Dakota – a difference of $3,610.
Based on the lower effective tax rate and the resulting lower tax bills for the same home values, Hawaii is the state with the more favorable property‑tax environment in this comparison.
Who is this comparison most relevant for?
| Audience | Implications |
|---|---|
| Current or prospective homeowners | The lower effective tax rate in Hawaii means a smaller portion of a home’s assessed value is paid annually, which can reduce overall housing costs despite higher median home values. |
| Retirees and fixed‑income households | Lower property‑tax rates may be advantageous for those on fixed incomes, as the annual outlay for taxes is smaller relative to home value. |
| Real‑estate investors | Investors evaluating cash‑flow or holding‑cost calculations will see lower tax expenses in Hawaii for comparable property values. |
| Policymakers and researchers | The data illustrate how tax‑rate structures differ across states, which can inform analyses of fiscal policy and housing affordability. |
It is important to note that while Hawaii’s tax rate is lower, its median home value ($808,200) is substantially higher than North Dakota’s median home value ($241,100). Therefore, total housing costs—including mortgage, insurance, and maintenance—may still be higher in Hawaii even though the property‑tax portion is lower.
Summary
- Effective property‑tax rate: Hawaii 0.27 % vs. North Dakota 0.99 %
- Tax on $250k home: Hawaii $675 vs. North Dakota $2,480 (‑$1,805)
- Tax on $500k home: Hawaii $1,351 vs. North Dakota $4,961 (‑$3,610)
- Median home values: Hawaii $808,200 vs. North Dakota $241,100
According to U.S. Census Bureau data, Hawaii provides a lower property‑tax burden than North Dakota. The comparison is most useful for homeowners, retirees, and investors who are evaluating the tax component of housing costs across states.
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Data Source
All figures are drawn from the U.S. Census Bureau's 2023 American Community Survey (5‑year estimates). This comprehensive dataset provides reliable, standardized property tax information across all states.