Total monthly cost of ownership
Cost to Own a Home in Paia, Hawaii
A $881,000 home here costs
$6,049per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,529. The real number is $1,520 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.
Paia against Maui County and Hawaii
| Measure | Paia | Maui County |
|---|---|---|
| Median home value | $881,100 | $858,600 |
| Median property tax | $1,595 | $1,442 |
| Effective tax rate | 0.181% | 0.168% |
| Median gross rent | $2,446 | $1,863 |
| Population | 2,629 | 164,632 |
The weather behind that power bill
Paia 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 Paia?
A $881,000 home in Paia, Hawaii costs approximately $6,049 per month with 20% down at 6.66%. That is $4,529 principal and interest, $133 property tax, $117 homeowners insurance, $535 utilities and $734 set aside for maintenance.
What is the property tax rate in Paia?
Paia has an effective property tax rate of 0.181%, based on a median home value of $881,100 and median real estate taxes of $1,595. That is higher than the Maui County average of 0.168%.
What is the average home price in Paia?
The median owner-occupied home value in Paia, Hawaii is $881,100, against $858,600 across Maui County.
Is it cheaper to rent or buy in Paia?
Median gross rent in Paia is $2,446 a month, against $6,049 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 Paia — 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.