Typical home value from Zillow, September 2021 to September 2026: from $803,624 to $1,006,867.
Typical rent
$2,550a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kahului 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
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Kahului fell 2.2%; in Hawaii, it rose 1.4%.
2
The typical rent in Kahului is $1,488 a month, 22% less than in Maui County as a whole ($1,916).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Kahului
What homes there are in Kahului, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Kahului
Maui County
Hawaii
United States
Kind of home: Kahului and its comparisons
Measure
Kahului
Maui County
Hawaii
United States
Detached house
74%
60%
54%
61%
Attached house
9%
7%
9%
6%
Building of 2 to 4
Unreliable estimate
7%
6%
8%
Apartments (5 or more)
13%
25%
31%
19%
Mobile home
Unreliable estimate
1%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 74% of homes here, against 60% in Maui County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kahului
Maui County
Hawaii
United States
Year built: Kahului and its comparisons
Measure
Kahului
Maui County
Hawaii
United States
Before 1960
14%
10%
14%
26%
1960–1979
40%
30%
36%
24%
1980–1999
21%
36%
28%
25%
2000–2009
18%
15%
12%
14%
2010 or later
7%
8%
9%
11%
In Kahului, half of the homes were built before 1978; in Maui County, before 1985.
Homes in Kahului are bigger: 66% have 3 bedrooms or more; in Maui County, 53%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K20%
$750K–$1M44%
$1M or more26%
Value of owner-occupied homes: Kahului and its comparisons
Measure
Kahului
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
20%
$750K–$1M
44%
$1M or more
26%
Monthly rent with utilities
Unreliable estimate
Under $50010%
$500–$99914%
$1,000–$1,49927%
$1,500–$1,99924%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or more10%
Monthly rent with utilities: Kahului and its comparisons
Measure
Kahului
Under $500
10%
$500–$999
14%
$1,000–$1,499
27%
$1,500–$1,999
24%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
10%
With a mortgage
$2,950 a month
Maui County: $2,821 a month
Without a mortgage
$494 a month
Maui County: $593 a month
Owners with a mortgage
63%
Maui County: 63%
The typical cost for an owner with a mortgage in Kahului is $2,950 a month, near the figure in Maui County ($2,821).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kahului+42%
Maui County+43%
Hawaii+36%
United States+53%
Typical rent
KahuluiNo clear change
Maui County+27%
Hawaii+22%
United States+33%
Typical household income
KahuluiNo clear change
Maui County+20%
Hawaii+24%
United States+29%
Change since 2015–2019: Kahului and its comparisons
Measure
Kahului
Maui County
Hawaii
United States
Typical home value
+42%
+43%
+36%
+53%
Typical rent
No clear change
+27%
+22%
+33%
Typical household income
No clear change
+20%
+24%
+29%
Much as in Maui County, the typical home value in Kahului rose 42% since 2015–2019.
Since 2015–2019, the typical rent in Kahului did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kahului and its comparisons
Measure
Kahului
Maui County
Hawaii
United States
Rental vacancy
Unreliable estimate
17.6%
7.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
13.6%
10.1%
8.8%
3.4%
People per household
3.20
2.90
2.85
2.53
Drive alone
68%
70%
65%
69%
Carpool
20%
13%
14%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
1%
3%
5%
3%
Work from home
5%
10%
10%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More households are short on space in Kahului: 13.6% have more than one person per room; in Maui County, 10.1%.
On average, a household in Kahului has 3.20 people, more than in Maui County (2.90).
More people carpool to work in Kahului than in Maui County: 20% against 13%.
Do the math
What would you pay each month for a home in Kahului?
A typical home costs more than the typical income allows
We start with a typical home in Kahului, worth $862,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 81% of the typical household income in Kahului, which is $98,077 a year. For that payment to be 28% of income, a household would need to earn about $282,586 a year.
The calculator's FHA and conventional loan limits are those of all of Maui County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Kahului. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $30,191 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$6,594
at 7.18% · 30 years
Loan amount
$846,976
Total interest
$1,218,600
Paid off in
November 2056
Includes $14,567 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,288 a month
Tight
$2,288 to $2,942 a month
Hard
more than $2,942 a month
Your payment · 81%
Compared with the typical household income in Kahului ($98,077 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,738
Property tax
$115
Home insurance
$359
FHA mortgage insurance (MIP)
$382
You need at least $30,191 for the down payment, plus closing costs.
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.
Total monthly payment $6,594; principal and interest $5,738.
The city and its county
Kahului and Maui County
Kahului 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).
Kahului
Map of Maui County, Hawaii, with Kahului marked. Around it, the neighboring counties.
Kahului
Maui County
Other cities with a page
Kahului's own numbers
Typical home value
$862,600
Typical monthly rent
$1,488
Typical yearly household income
$98,077
Households that own their home
65%
Effective property tax rate
0.16%
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.
A typical home in Kahului is worth $862,600: 5% below the county and 3% above Hawaii. With the typical household income in Kahului ($98,077 a year), a typical home costs 8.8 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.
Kahului8.8 years
Maui9.3 years
Hawaii8.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Maui County, 2016 to 2025
2016: +4.8% +4.8% 2016
2017: +7.2% +7.2% 2017
2018: +4.3% +4.3% 2018
2019: +5.1% +5.1% 2019
2020: +1.6% +1.6% 2020
2021: +10.8% +10.8% 2021
2022: +18.8% +18.8% 2022
2023: +10.3% +10.3% 2023
2024: +2.7% +2.7% 2024
2025: +4.3% +4.3% 2025
Change in FHFA’s price index in Maui County, Hawaii and the United States
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
Kahului 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
Kahului$862,600
Maui$904,700
Hawaii$839,100
United States$332,700
Typical monthly rent
Kahului$1,488
Maui$1,916
Hawaii$1,971
United States$1,413
Typical yearly household income
Kahului$98,077
Maui$97,161
Hawaii$100,389
United States$80,734
See the full table
Kahului next to Maui County and Hawaii
Measure
Kahului
Maui County
Hawaii
U.S.
Typical home value
$862,600 ▼5% below the county
$904,700
$839,100
$332,700
Typical monthly rent
$1,488 ▼22% below the county
$1,916
$1,971
$1,413
Typical yearly household income
$98,077
$97,161
$100,389
$80,734
Households that own their home
65% ▼1 points below the county
66%
63%
65%
Typical yearly property tax
$1,352 ▼8% below the county
$1,466
$2,239
$3,119
Effective property tax rate
0.16%
0.16%
0.27%
0.94%
Renters with high rent for their income
47% ▼9 points below the county
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 Kahului
For a typical $862,600 home in Kahului, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kahului's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,594a month
Least cash to close
Down payment
$30,191
Cash to close
$56,069
Rate
7.18%
Mortgage insurance
FHA MIP · $382
Conventional, 5% down$6,436a month
Down payment
$43,130
Cash to close
$69,008
Rate
7.18%
Mortgage insurance
PMI · $410
Conventional, 20% down, no PMI$5,149a month
Down payment
$172,520
Cash to close
$198,398
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,947a month
Down payment
$129,390
Cash to close
$155,268
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kahului
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,594
$30,191
$846,976
7.18%
FHA MIP · $382
$56,069
580
Conventional, 5% down
$6,436
$43,130
$819,470
7.18%
PMI · $410
$69,008
620*
Conventional, 20% down, no PMI
$5,149
$172,520
$690,080
7.18%
None
$198,398
620*
ITIN, 15% down (example)
$5,947
$129,390
$733,210
8.18%
None
$155,268
Set by the lender
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.
Typical rent in Kahului is $1,488 a month: 22% below the county. In Kahului, 47% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Maui County (Fiscal year 2027)
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 Kahului
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kahului is in ZIP code 96732.
For 2 bedrooms it is $2,370: $286 less than the fair market rent for Maui County ($2,656).
Fair market rent by ZIP code and size in Kahului, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96732
$1,710
$1,800
$2,370
$3,060
$3,820
ZIP code2 bd3 bd
96732 $2,370$3,060
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kahului 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Kahului or Maui County. The ones below are statewide in Hawaii: they work in Kahului the same as in the rest of the state.
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).
No legal help resource on our list is for Kahului or Maui County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Kahului 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 Kahului?
The typical home value in Kahului is $862,600, 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 Kahului?
Typical rent in Kahului is $1,488 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 Kahului?
Kahului 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 Kahului?
The typical homeowner in Kahului pays $1,352 a year, according to the U.S. Census Bureau. That is 0.16% of the home’s value; in Maui County, the rate is 0.16%.
Where can I find free help to buy or rent in Kahului?
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.
