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City · 9,178 residents · Maui County, Hawaii

Haiku-Pauwela , Hawaii

In Haiku-Pauwela, a typical home is worth $1,093,800 and typical rent is $2,538 a month. Compared with all of Maui County, typical rent is 32% higher and the typical home value is 21% higher.

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  • Typical home value

    $1,093,800

    21% above the county

    30% above Hawaii

    • Haiku-Pauwela
    • Maui
    • Hawaii

  • Typical rent

    $2,538a month

    32% above the county

    29% above Hawaii

    • Haiku-Pauwela
    • Maui
    • Hawaii

  • Typical household income

    $101,396a year

    4% above the county

    About the same as Hawaii

    • Haiku-Pauwela
    • Maui
    • Hawaii

  • Households that own their home

    67%

    1 points above the county

    4 points above Hawaii

    • Haiku-Pauwela
    • Maui
    • Hawaii

Source: U.S. Census Bureau, Average 2020–2024

Haiku-Pauwela is in Maui County. The FHA loan limit ($1,299,500 for a one-unit home), the fair market rents and the help on this page are those of all of Maui County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Haiku-Pauwela apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Kahului, the typical rent is $1,488: 41% less than in Haiku-Pauwela ($2,538).

  2. The typical rent in Haiku-Pauwela is $2,538 a month, 32% more than in Maui County as a whole ($1,916).

  3. Nearby, in Wailuku, the typical home value is $855,700: 22% less than in Haiku-Pauwela ($1,093,800).

  4. The typical home in Haiku-Pauwela is worth $1,093,800, 21% more than in Maui County as a whole ($904,700).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Haiku-Pauwela

What homes there are in Haiku-Pauwela, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Haiku-Pauwela, 9 in 10 homes are single-family detached houses; in Maui County, 6.

Year built

Here half of the homes date from 1992 or later; in Maui County, from 1985 or later.

There is more room for a big family here: 58% of homes have 3 bedrooms or more, against 53% in Maui County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,182 a month

Maui County: $2,821 a month

Without a mortgage

$719 a month

Maui County: $593 a month

Owners with a mortgage

63%

Maui County: 63%

Owning costs more in Haiku-Pauwela: with a mortgage, the typical cost is $3,182 a month; in Maui County, $2,821. Without one, $719.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Haiku-Pauwela rose 38% since 2015–2019, less than in Maui County (43%).

Since 2015–2019, the typical rent in Haiku-Pauwela rose 33%, more than in Maui County (27%).

Housing prices ran ahead of income in Haiku-Pauwela: typical income rose 15%, against +38% for home values and +33% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHaiku-PauwelaMaui CountyHawaiiUnited States
Rental vacancy Unreliable estimate17.6%7.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate10.1%8.8%3.4%
People per household 2.752.902.852.53
Drive alone 75%70%65%69%
Carpool 8%13%14%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate3%5%3%
Work from home 16%10%10%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Haiku-Pauwela has 2.75 people, fewer than in Maui County (2.90).

In Haiku-Pauwela, 16% of workers work from home, more than in Maui County (10%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Haiku-Pauwela?

A typical home costs more than the typical income allows

We start with a typical home in Haiku-Pauwela, worth $1,093,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 101% of the typical household income in Haiku-Pauwela, which is $101,396 a year. For that payment to be 28% of income, a household would need to earn about $366,256 a year.

The calculator's FHA and conventional loan limits are those of all of Maui County.

Your numbers

Local data
$

Starts at the typical home value in Haiku-Pauwela. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $38,283 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$8,546

at 7.18% · 30 years

Loan amount
$1,073,989
Total interest
$1,545,218
Paid off in
November 2056

Includes $18,472 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,366 a month

  • Tight

    $2,366 to $3,042 a month

  • Hard

    more than $3,042 a month

    Your payment · 101%

Compared with the typical household income in Haiku-Pauwela ($101,396 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,546
Principal & interest$7,276
Property tax$155
Home insurance$456
FHA mortgage insurance (MIP)$660

You need at least $38,283 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Haiku-Pauwela and Maui County

Haiku-Pauwela is in Maui County, Hawaii. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Haiku-Pauwela's own numbers

Typical home value
$1,093,800
Typical monthly rent
$2,538
Typical yearly household income
$101,396
Households that own their home
67%
Effective property tax rate
0.17%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Maui County

FHA limit, one-unit home
$1,299,500
Conventional limit, one unit
$1,299,500
HUD fair market rent, 2 bedrooms
$2,656
Price change over 5 years (FHFA)
+55%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Maui County.

Everything about Maui County

Buying

Buying a home in Haiku-Pauwela

A typical home in Haiku-Pauwela is worth $1,093,800: 21% above the county and 30% above Hawaii. With the typical household income in Haiku-Pauwela ($101,396 a year), a typical home costs 10.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Haiku-Pauwela 10.8 years
  • Maui 9.3 years
  • Hawaii 8.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Maui County

According to FHFA’s house price index, home prices in Maui County rose 95% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Maui County.

Period County Hawaii U.S.
Last year (2025) +4.3% +2.9% +2.9%
5 years (2020–2025) +55% +46% +47%
10 years (2015–2025) +95% +73% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Haiku-Pauwela next to Maui County, Hawaii and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Haiku-Pauwela $1,093,800
  • Maui $904,700
  • Hawaii $839,100
  • United States $332,700
Typical monthly rent
  • Haiku-Pauwela $2,538
  • Maui $1,916
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Haiku-Pauwela $101,396
  • Maui $97,161
  • Hawaii $100,389
  • United States $80,734
See the full table
Haiku-Pauwela next to Maui County and Hawaii
Measure Haiku-Pauwela Maui County Hawaii U.S.
Typical home value $1,093,800 $904,700 $839,100 $332,700
Typical monthly rent $2,538 $1,916 $1,971 $1,413
Typical yearly household income $101,396 $97,161 $100,389 $80,734
Households that own their home 67% 66% 63% 65%
Typical yearly property tax $1,863 $1,466 $2,239 $3,119
Effective property tax rate 0.17% 0.16% 0.27% 0.94%
Renters with high rent for their income 71% 56% 57% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Maui County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Haiku-Pauwela

For a typical $1,093,800 home in Haiku-Pauwela, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Haiku-Pauwela's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,546a month

    Least cash to close
    Down payment
    $38,283
    Cash to close
    $71,097
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $660

  • Conventional, 5% down $8,170a month

    Down payment
    $54,690
    Cash to close
    $87,504
    Rate
    7.18%
    Mortgage insurance
    PMI · $520

  • Conventional, 20% down, no PMI $6,539a month

    Down payment
    $218,760
    Cash to close
    $251,574
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,550a month

    Down payment
    $164,070
    Cash to close
    $196,884
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Haiku-Pauwela and for Maui County.

Property tax

Effective rate in Haiku-Pauwela

0.17%of the home’s value each year

$1,863 a year for the typical owner in Haiku-Pauwela.

  • Haiku-Pauwela 0.17%
  • Maui 0.16%
  • Hawaii 0.27%

What Hawaii publishes Each county runs its own property tax (Hawaii Department of Taxation)

Exemptions and deadlines in Hawaii

Flood risk in Maui County

FEMA does not publish these numbers by city: they are for all of Maui County.

FEMA’s maps count no homes in the high-risk zone in Maui County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Haiku-Pauwela

Typical rent in Haiku-Pauwela is $2,538 a month: 32% above the county. In Haiku-Pauwela, 71% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Maui County, by unit size. To pay the 2-bedroom one ($2,656 a month) without spending more than 30% of your income, you would need to earn $51.08 an hour working full time.

HUD fair market rent for all of Maui County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,850 $35.58 $74,000
1 bedroom $2,030 $39.04 $81,200
2 bedrooms $2,656 $51.08 $106,240
3 bedrooms $3,351 $64.44 $134,040
4 bedrooms $4,143 $79.67 $165,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Haiku-Pauwela

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Haiku-Pauwela is in ZIP code 96708.

For 2 bedrooms it is $3,350: $694 more than the fair market rent for Maui County ($2,656).

  • 96708 $3,350$4,230

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Haiku-Pauwela when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Haiku-Pauwela

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Maui County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Haiku-Pauwela

No down payment, repair or rent-help program on our list is for Haiku-Pauwela or Maui County. The ones below are statewide in Hawaii: they work in Haiku-Pauwela the same as in the rest of the state.

Which programs do I qualify for? All programs in Hawaii

  • Hale Kamaʻāina Mortgage Program

    Statewide in Hawaii

    Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published. Offered by Hawaiʻi Housing Finance & Development Corporation (HHFDC).

    Type not stated

    See the program Official page

Housing counselors near Haiku-Pauwela

The HUD-approved agencies closest to the center of Haiku-Pauwela, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Hale Mahaolu Homeownership/Housing Counseling

    95 Mahalani Street, Suite #28-2A, Wailuku · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (808) 242-7027

  • Hawaiian Community Assets, Inc. - Wailuku Branch

    1950 E Vineyard St, Wailuku · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (808) 727-8870

  • LEGAL AID SOCIETY OF HAWAII - Wailuku Branch

    24 N. Church street, Wailuku · 13 miles away

    • Mortgage delinquency and default
    (808) 244-3731

Every agency in Maui County All counseling agencies in Hawaii

Help in Spanish near Haiku-Pauwela

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Haiku-Pauwela

HUD’s record names them for Haiku-Pauwela or Maui County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Hawaii Source: HUD

Cities

Other cities in Maui County

These cities are also in Maui County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Maui County Housing in Hawaii

Nearby cities

The cities closest to Haiku-Pauwela, with the typical home value.

Neighboring counties

If Maui County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Haiku-Pauwela.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Haiku-Pauwela

Short answers with the numbers for Haiku-Pauwela and all of Maui County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Haiku-Pauwela?

The typical home value in Haiku-Pauwela is $1,093,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Maui County it is $904,700.

How much does it cost to rent in Haiku-Pauwela?

Typical rent in Haiku-Pauwela is $2,538 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Maui County is $2,656.

What is the FHA loan limit in Haiku-Pauwela?

Haiku-Pauwela uses the FHA limit for all of Maui County (2026): $1,299,500 for a one-unit home and $2,499,100 for a four-unit home.

How much property tax do owners pay in Haiku-Pauwela?

The typical homeowner in Haiku-Pauwela pays $1,863 a year, according to the U.S. Census Bureau. That is 0.17% of the home’s value; in Maui County, the rate is 0.16%.

Where can I find free help to buy or rent in Haiku-Pauwela?

There are 3 HUD-approved counseling agencies with an office in Maui County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).