Total monthly cost of ownership
Cost to Own a Home in Kahului, Hawaii
A $833,000 home here costs
$5,733per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,282. The real number is $1,450 higher every month — 34% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Kahului against Maui County and Hawaii
| Measure | Kahului | Maui County |
|---|---|---|
| Median home value | $833,200 | $858,600 |
| Median property tax | $1,314 | $1,442 |
| Effective tax rate | 0.158% | 0.168% |
| Median gross rent | $1,473 | $1,863 |
| Population | 27,068 | 164,632 |
The weather behind that power bill
Kahului sits in Maui County, which averages a high of 90.0°F in its hottest month and a low of 63.6°F in its coldest, with 16.21" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 4,423 cooling and 0 heating degree days, which is what sets the $467 electricity line above.
See the full climate breakdown for Maui County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Maui County
Common questions
How much does it cost to own a home in Kahului?
A $833,000 home in Kahului, Hawaii costs approximately $5,733 per month with 20% down at 6.66%. That is $4,282 principal and interest, $110 property tax, $111 homeowners insurance, $535 utilities and $694 set aside for maintenance.
What is the property tax rate in Kahului?
Kahului has an effective property tax rate of 0.158%, based on a median home value of $833,200 and median real estate taxes of $1,314. That is lower than the Maui County average of 0.168%.
What is the average home price in Kahului?
The median owner-occupied home value in Kahului, Hawaii is $833,200, against $858,600 across Maui County.
Is it cheaper to rent or buy in Kahului?
Median gross rent in Kahului is $1,473 a month, against $5,733 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kahului — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Hawaii.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.