Total monthly cost of ownership
Cost to Own a Home in Napili-Honokowai, Hawaii
A $776,000 home here costs
$5,418per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,989. The real number is $1,429 higher every month — 36% 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.
Napili-Honokowai against Maui County and Hawaii
| Measure | Napili-Honokowai | Maui County |
|---|---|---|
| Median home value | $775,500 | $858,600 |
| Median property tax | $1,716 | $1,442 |
| Effective tax rate | 0.221% | 0.168% |
| Median gross rent | $2,116 | $1,863 |
| Population | 6,897 | 164,632 |
The weather behind that power bill
Napili-Honokowai 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 Napili-Honokowai?
A $776,000 home in Napili-Honokowai, Hawaii costs approximately $5,418 per month with 20% down at 6.66%. That is $3,989 principal and interest, $143 property tax, $103 homeowners insurance, $535 utilities and $647 set aside for maintenance.
What is the property tax rate in Napili-Honokowai?
Napili-Honokowai has an effective property tax rate of 0.221%, based on a median home value of $775,500 and median real estate taxes of $1,716. That is higher than the Maui County average of 0.168%.
What is the average home price in Napili-Honokowai?
The median owner-occupied home value in Napili-Honokowai, Hawaii is $775,500, against $858,600 across Maui County.
Is it cheaper to rent or buy in Napili-Honokowai?
Median gross rent in Napili-Honokowai is $2,116 a month, against $5,418 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 Napili-Honokowai — 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.