Total monthly cost of ownership
Cost to Own a Home in Kualapuu, Hawaii
A $259,000 home here costs
$2,007per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $86,000 a year.
A standard mortgage calculator would have told you $1,412. The real number is $595 higher every month, 42% more than the payment most buyers budget for.
Compare Maui County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Kualapuu from a five-year rolling sample, and with about 2,357 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Maui County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Kualapuu against Maui County and Hawaii
| Measure | Kualapuu | Maui County |
|---|---|---|
| Median home value | $258,900 | $858,600 |
| Median property tax | $521 | $1,442 |
| Effective tax rate | 0.201% | 0.168% |
| Median gross rent | $1,500 | $1,863 |
| Population | 2,357 | 164,632 |
The weather behind that power bill
Kualapuu 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 $234 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
Talk to someone who works this market
These are Kualapuu averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Kualapuu every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Kualapuu?
A $259,000 home in Kualapuu, Hawaii costs approximately $2,007 per month with 20% down at 7.24%. That is $1,412 principal and interest, $43 property tax, $35 homeowners insurance, $302 utilities and $216 set aside for maintenance.
What is the property tax rate in Kualapuu?
Kualapuu has an effective property tax rate of 0.201%, based on a median home value of $258,900 and median real estate taxes of $521. That is higher than the Maui County average of 0.168%.
What is the average home price in Kualapuu?
The median owner-occupied home value in Kualapuu, Hawaii is $258,900, against $858,600 across Maui County.
Is it cheaper to rent or buy in Kualapuu?
Median gross rent in Kualapuu is $1,500 a month, against $2,007 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Kualapuu?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Kualapuu, Hawaii at today's rate takes a household income of roughly $86,000 a year. That covers the full $2,007 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kualapuu, 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.