Total monthly cost of ownership
Cost to Own a Home in Kaunakakai, Hawaii
A $335,000 home here costs
$2,621per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,722. The real number is $898 higher every month — 52% 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.
Kaunakakai against Maui County and Hawaii
| Measure | Kaunakakai | Maui County |
|---|---|---|
| Median home value | $335,200 | $858,600 |
| Median property tax | $470 | $1,442 |
| Effective tax rate | 0.140% | 0.168% |
| Median gross rent | $905 | $1,863 |
| Population | 3,721 | 164,632 |
The weather behind that power bill
Kaunakakai 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 Kaunakakai?
A $335,000 home in Kaunakakai, Hawaii costs approximately $2,621 per month with 20% down at 6.66%. That is $1,722 principal and interest, $39 property tax, $45 homeowners insurance, $535 utilities and $279 set aside for maintenance.
What is the property tax rate in Kaunakakai?
Kaunakakai has an effective property tax rate of 0.140%, based on a median home value of $335,200 and median real estate taxes of $470. That is lower than the Maui County average of 0.168%.
What is the average home price in Kaunakakai?
The median owner-occupied home value in Kaunakakai, Hawaii is $335,200, against $858,600 across Maui County.
Is it cheaper to rent or buy in Kaunakakai?
Median gross rent in Kaunakakai is $905 a month, against $2,621 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 Kaunakakai — 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.