Kahului, HI home prices
Typical home $982,110 · -2.9% in a year · income needed $253,200
The Kahului, HI metro area ranks 12 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -2.9% in a year and +18.8% over five years. With 20% down at 7.11%, the typical home costs about $5,909 a month including 0.16% property tax (Maui County rate).
Mortgage on the typical Kahului home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $196,422 | $785,688 | $5,285 | $0 | $624 | $5,909 | $253,200 |
| 10% down | $98,211 | $883,899 | $5,946 | $368 | $624 | $6,938 | $297,300 |
| 5% down | $49,106 | $933,005 | $6,276 | $389 | $624 | $7,289 | $312,400 |
| 3.5% down (FHA) | $34,374 | $964,322 | $6,487 | $434 | $624 | $7,545 | $323,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.16% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Kahului area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Maui County, HI | $982,145 | -2.9% | 0.16% |
What can you afford in Hawaii on your salary? · Hawaii home prices · Salaries in Hawaii
Frequently asked questions
How much is a house in Kahului?
The typical home in the Kahului, HI metro area is worth $982,110 (Zillow, September 2026).
What salary do you need to buy a house in Kahului?
About $253,200 a year for the typical home with 20% down at 7.11%.