Total monthly cost of ownership
Cost to Own a Home in Lahaina, Hawaii
A $841,000 home here costs
$5,781per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,324. The real number is $1,457 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.
Lahaina against Maui County and Hawaii
| Measure | Lahaina | Maui County |
|---|---|---|
| Median home value | $841,400 | $858,600 |
| Median property tax | $1,300 | $1,442 |
| Effective tax rate | 0.155% | 0.168% |
| Median gross rent | $1,988 | $1,863 |
| Population | 11,423 | 164,632 |
The weather behind that power bill
Lahaina 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 Lahaina?
A $841,000 home in Lahaina, Hawaii costs approximately $5,781 per month with 20% down at 6.66%. That is $4,324 principal and interest, $109 property tax, $112 homeowners insurance, $535 utilities and $701 set aside for maintenance.
What is the property tax rate in Lahaina?
Lahaina has an effective property tax rate of 0.155%, based on a median home value of $841,400 and median real estate taxes of $1,300. That is lower than the Maui County average of 0.168%.
What is the average home price in Lahaina?
The median owner-occupied home value in Lahaina, Hawaii is $841,400, against $858,600 across Maui County.
Is it cheaper to rent or buy in Lahaina?
Median gross rent in Lahaina is $1,988 a month, against $5,781 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 Lahaina — 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.