Total monthly cost of ownership
Cost to Own a Home in Maili, Hawaii
A $633,000 home here costs
$4,515per 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 $193,500 a year.
A standard mortgage calculator would have told you $3,451. The real number is $1,064 higher every month, 31% more than the payment most buyers budget for.
Compare Honolulu County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Maili against Honolulu County and Hawaii
| Measure | Maili | Honolulu County |
|---|---|---|
| Median home value | $633,100 | $873,000 |
| Median property tax | $1,811 | $2,482 |
| Effective tax rate | 0.286% | 0.284% |
| Median gross rent | $2,442 | $2,054 |
| Population | 12,236 | 1,003,666 |
The weather behind that power bill
Maili sits in Honolulu County, which averages a high of 85.6°F in its hottest month and a low of 64.4°F in its coldest, with 21.78" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 3,609 cooling and 0 heating degree days, which is what sets the $234 electricity line above.
See the full climate breakdown for Honolulu County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Honolulu County
Full Honolulu County cost breakdown · Every county in Hawaii
Talk to someone who works this market
These are Maili 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 Maili every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Maili?
A $633,000 home in Maili, Hawaii costs approximately $4,515 per month with 20% down at 7.24%. That is $3,451 principal and interest, $151 property tax, $84 homeowners insurance, $302 utilities and $528 set aside for maintenance.
What is the property tax rate in Maili?
Maili has an effective property tax rate of 0.286%, based on a median home value of $633,100 and median real estate taxes of $1,811. That is in line with the Honolulu County average of 0.284%.
What is the average home price in Maili?
The median owner-occupied home value in Maili, Hawaii is $633,100, against $873,000 across Honolulu County.
Is it cheaper to rent or buy in Maili?
Median gross rent in Maili is $2,442 a month, against $4,515 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 Maili?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Maili, Hawaii at today's rate takes a household income of roughly $193,500 a year. That covers the full $4,515 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Maili, 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.