In Kula, a typical home is worth $1,127,700 and typical rent is $2,240 a month. Compared with all of Maui County, the typical home value is 25% higher and typical rent is 17% higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,048,699 to $1,318,445.
Typical rent
$3,100a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kula 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
Nearby, in Kahului, the typical rent is $1,488: 34% less than in Kula ($2,240).
2
Nearby, in Kahului, the typical home value is $862,600: 24% less than in Kula ($1,127,700).
3
The typical home in Kula is worth $1,127,700,25% more than in Maui County as a whole ($904,700).
4
The typical rent in Kula is $2,240 a month, 17% more than in Maui County as a whole ($1,916).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kula
What homes there are in Kula, 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
Kula
Maui County
Hawaii
United States
Kind of home: Kula and its comparisons
Measure
Kula
Maui County
Hawaii
United States
Detached house
96%
60%
54%
61%
Attached house
Unreliable estimate
7%
9%
6%
Building of 2 to 4
Unreliable estimate
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
25%
31%
19%
Mobile home
Unreliable estimate
1%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Kula: 96% of homes, more than in Maui County (60%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Kula
Maui County
Hawaii
United States
Year built: Kula and its comparisons
Measure
Kula
Maui County
Hawaii
United States
Before 1960
21%
10%
14%
26%
1960–1979
30%
30%
36%
24%
1980–1999
33%
36%
28%
25%
2000–2009
9%
15%
12%
14%
2010 or later
Unreliable estimate
8%
9%
11%
In Kula, half of the homes were built before 1980; in Maui County, before 1985.
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–$750KUnreliable
$750K–$1M20%
$1M or more66%
Value of owner-occupied homes: Kula and its comparisons
Measure
Kula
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
20%
$1M or more
66%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kula and its comparisons
Measure
Kula
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,392 a month
Maui County: $2,821 a month
Without a mortgage
$644 a month
Maui County: $593 a month
Owners with a mortgage
47%
Maui County: 63%
The typical cost for an owner with a mortgage in Kula is $3,392 a month, more than in Maui County ($2,821); without one, $644.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
KulaNo clear change
Maui County+43%
Hawaii+36%
United States+53%
Typical rent
Kula+56%
Maui County+27%
Hawaii+22%
United States+33%
Typical household income
Kula+31%
Maui County+20%
Hawaii+24%
United States+29%
Change since 2015–2019: Kula and its comparisons
Measure
Kula
Maui County
Hawaii
United States
Typical home value
No clear change
+43%
+36%
+53%
Typical rent
+56%
+27%
+22%
+33%
Typical household income
+31%
+20%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Kula did not change clearly: the difference is within the Census margin of error.
Rents in Kula rose faster than in Maui County: 56% since 2015–2019, against 27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kula and its comparisons
Measure
Kula
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
Unreliable estimate
10.1%
8.8%
3.4%
People per household
2.72
2.90
2.85
2.53
Drive alone
62%
70%
65%
69%
Carpool
9%
13%
14%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
16%
10%
10%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.72 on average, against 2.90 in Maui County.
Working from home is more common in Kula: 16%, against 10% in Maui County.
Do the math
What would you pay each month for a home in Kula?
A typical home costs more than the typical income allows
We start with a typical home in Kula, worth $1,127,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 106% of the typical household income in Kula, which is $100,433 a year. For that payment to be 28% of income, a household would need to earn about $378,816 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 Kula. 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 $39,470 (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
$8,839
at 7.18% · 30 years
Loan amount
$1,107,274
Total interest
$1,593,108
Paid off in
November 2056
Includes $19,044 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,343 a month
Tight
$2,343 to $3,013 a month
Hard
more than $3,013 a month
Your payment · 106%
Compared with the typical household income in Kula ($100,433 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$7,501
Property tax
$188
Home insurance
$470
FHA mortgage insurance (MIP)
$680
You need at least $39,470 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 $8,839; principal and interest $7,501.
The city and its county
Kula and Maui County
Kula 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).
Kula
Map of Maui County, Hawaii, with Kula marked. Around it, the neighboring counties.
Kula
Maui County
Other cities with a page
Kula's own numbers
Typical home value
$1,127,700
Typical monthly rent
$2,240
Typical yearly household income
$100,433
Households that own their home
66%
Effective property tax rate
0.2%
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 Kula is worth $1,127,700: 25% above the county and 34% above Hawaii. With the typical household income in Kula ($100,433 a year), a typical home costs 11.2 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.
Kula11.2 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
Kula 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
Kula$1,127,700
Maui$904,700
Hawaii$839,100
United States$332,700
Typical monthly rent
Kula$2,240
Maui$1,916
Hawaii$1,971
United States$1,413
Typical yearly household income
Kula$100,433
Maui$97,161
Hawaii$100,389
United States$80,734
See the full table
Kula next to Maui County and Hawaii
Measure
Kula
Maui County
Hawaii
U.S.
Typical home value
$1,127,700 ▲25% above the county
$904,700
$839,100
$332,700
Typical monthly rent
$2,240 ▲17% above the county
$1,916
$1,971
$1,413
Typical yearly household income
$100,433 ▲3% above the county
$97,161
$100,389
$80,734
Households that own their home
66%
66%
63%
65%
Typical yearly property tax
$2,294 ▲56% above the county
$1,466
$2,239
$3,119
Effective property tax rate
0.2% ▲0.04 points above the county
0.16%
0.27%
0.94%
Renters with high rent for their income
48% ▼8 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 Kula
For a typical $1,127,700 home in Kula, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kula's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$8,839a month
Least cash to close
Down payment
$39,470
Cash to close
$73,301
Rate
7.18%
Mortgage insurance
FHA MIP · $680
Conventional, 5% down$8,451a month
Down payment
$56,385
Cash to close
$90,216
Rate
7.18%
Mortgage insurance
PMI · $536
Conventional, 20% down, no PMI$6,769a month
Down payment
$225,540
Cash to close
$259,371
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$7,812a month
Down payment
$169,155
Cash to close
$202,986
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kula
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$8,839
$39,470
$1,107,275
7.18%
FHA MIP · $680
$73,301
580
Conventional, 5% down
$8,451
$56,385
$1,071,315
7.18%
PMI · $536
$90,216
620*
Conventional, 20% down, no PMI
$6,769
$225,540
$902,160
7.18%
None
$259,371
620*
ITIN, 15% down (example)
$7,812
$169,155
$958,545
8.18%
None
$202,986
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 Kula is $2,240 a month: 17% above the county. In Kula, 48% 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 Kula
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kula is in ZIP code 96790.
For 2 bedrooms it is $2,840: $184 more than the fair market rent for Maui County ($2,656).
Fair market rent by ZIP code and size in Kula, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96790
$1,980
$2,170
$2,840
$3,580
$4,430
ZIP code2 bd3 bd
96790 $2,840$3,580
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kula 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 Kula or Maui County. The ones below are statewide in Hawaii: they work in Kula 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 Kula 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 Kula 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 Kula?
The typical home value in Kula is $1,127,700, 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 Kula?
Typical rent in Kula is $2,240 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 Kula?
Kula 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 Kula?
The typical homeowner in Kula pays $2,294 a year, according to the U.S. Census Bureau. That is 0.2% of the home’s value; in Maui County, the rate is 0.16%.
Where can I find free help to buy or rent in Kula?
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.
