In Lahaina, a typical home is worth $881,700 and typical rent is $1,997 a month. Compared with all of Maui County, typical household income is 9% lower and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $900,097 to $965,230.
Typical rent
$3,292a month
▲ 11.2% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $3,407 to $3,292.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lahaina 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 Lahaina fell 6.5%; in Hawaii, it rose 1.4%.
2
Nearby, in Kahului, the typical rent is $1,488: 25% less than in Lahaina ($1,997).
3
56% of households in Lahaina own their home, against 66% in Maui County.
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Lahaina
What homes there are in Lahaina, 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
Lahaina
Maui County
Hawaii
United States
Kind of home: Lahaina and its comparisons
Measure
Lahaina
Maui County
Hawaii
United States
Detached house
46%
60%
54%
61%
Attached house
15%
7%
9%
6%
Building of 2 to 4
20%
7%
6%
8%
Apartments (5 or more)
18%
25%
31%
19%
Mobile home
Unreliable estimate
1%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Lahaina there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in Maui County, 60%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Lahaina
Maui County
Hawaii
United States
Year built: Lahaina and its comparisons
Measure
Lahaina
Maui County
Hawaii
United States
Before 1960
11%
10%
14%
26%
1960–1979
33%
30%
36%
24%
1980–1999
32%
36%
28%
25%
2000–2009
14%
15%
12%
14%
2010 or later
10%
8%
9%
11%
In Lahaina, half of the homes were built before 1983; 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–$750K16%
$750K–$1M31%
$1M or more36%
Value of owner-occupied homes: Lahaina and its comparisons
Measure
Lahaina
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
16%
$750K–$1M
31%
$1M or more
36%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49918%
$1,500–$1,99919%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or more27%
Monthly rent with utilities: Lahaina and its comparisons
Measure
Lahaina
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
18%
$1,500–$1,999
19%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
27%
With a mortgage
$2,660 a month
Maui County: $2,821 a month
Without a mortgage
$517 a month
Maui County: $593 a month
Owners with a mortgage
68%
Maui County: 63%
Owning costs less in Lahaina: with a mortgage, the typical cost is $2,660 a month; in Maui County, $2,821. Without one, $517.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lahaina+28%
Maui County+43%
Hawaii+36%
United States+53%
Typical rent
Lahaina+50%
Maui County+27%
Hawaii+22%
United States+33%
Typical household income
Lahaina+17%
Maui County+20%
Hawaii+24%
United States+29%
Change since 2015–2019: Lahaina and its comparisons
Measure
Lahaina
Maui County
Hawaii
United States
Typical home value
+28%
+43%
+36%
+53%
Typical rent
+50%
+27%
+22%
+33%
Typical household income
+17%
+20%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Lahaina rose 28%; in Maui County, it rose 43%.
Since 2015–2019, the typical rent in Lahaina rose 50%, more than in Maui County (27%).
The typical household income in Lahaina rose 17%: less than home values (+28%) and rent (+50%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lahaina and its comparisons
Measure
Lahaina
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
19.8%
10.1%
8.8%
3.4%
People per household
3.34
2.90
2.85
2.53
Drive alone
66%
70%
65%
69%
Carpool
15%
13%
14%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
8%
3%
5%
3%
Work from home
6%
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 than one person per room: that is how 19.8% of households in Lahaina live, more than in Maui County (10.1%).
On average, a household in Lahaina has 3.34 people, more than in Maui County (2.90).
More people walk or bike to work in Lahaina: 8%, against 3% in Maui County.
Do the math
What would you pay each month for a home in Lahaina?
A typical home costs more than the typical income allows
We start with a typical home in Lahaina, worth $881,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 93% of the typical household income in Lahaina, which is $88,889 a year. For that payment to be 28% of income, a household would need to earn about $294,290 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 Lahaina. 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 $30,860 (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
$6,867
at 7.18% · 30 years
Loan amount
$865,730
Total interest
$1,245,582
Paid off in
November 2056
Includes $14,890 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,074 a month
Tight
$2,074 to $2,667 a month
Hard
more than $2,667 a month
Your payment · 93%
Compared with the typical household income in Lahaina ($88,889 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,865
Property tax
$103
Home insurance
$367
FHA mortgage insurance (MIP)
$532
You need at least $30,860 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 $6,867; principal and interest $5,865.
The city and its county
Lahaina and Maui County
Lahaina 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).
Lahaina
Map of Maui County, Hawaii, with Lahaina marked. Around it, the neighboring counties.
Lahaina
Maui County
Other cities with a page
Lahaina's own numbers
Typical home value
$881,700
Typical monthly rent
$1,997
Typical yearly household income
$88,889
Households that own their home
56%
Effective property tax rate
0.14%
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 Lahaina is worth $881,700: 3% below the county and 5% above Hawaii. With the typical household income in Lahaina ($88,889 a year), a typical home costs 9.9 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.
Lahaina9.9 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
Lahaina 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
Lahaina$881,700
Maui$904,700
Hawaii$839,100
United States$332,700
Typical monthly rent
Lahaina$1,997
Maui$1,916
Hawaii$1,971
United States$1,413
Typical yearly household income
Lahaina$88,889
Maui$97,161
Hawaii$100,389
United States$80,734
See the full table
Lahaina next to Maui County and Hawaii
Measure
Lahaina
Maui County
Hawaii
U.S.
Typical home value
$881,700 ▼3% below the county
$904,700
$839,100
$332,700
Typical monthly rent
$1,997 ▲4% above the county
$1,916
$1,971
$1,413
Typical yearly household income
$88,889 ▼9% below the county
$97,161
$100,389
$80,734
Households that own their home
56% ▼10 points below the county
66%
63%
65%
Typical yearly property tax
$1,264 ▼14% below the county
$1,466
$2,239
$3,119
Effective property tax rate
0.14% ▼0.02 points below the county
0.16%
0.27%
0.94%
Renters with high rent for their income
53% ▼3 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 Lahaina
For a typical $881,700 home in Lahaina, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lahaina's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,867a month
Least cash to close
Down payment
$30,860
Cash to close
$57,311
Rate
7.18%
Mortgage insurance
FHA MIP · $532
Conventional, 5% down$6,563a month
Down payment
$44,085
Cash to close
$70,536
Rate
7.18%
Mortgage insurance
PMI · $419
Conventional, 20% down, no PMI$5,249a month
Down payment
$176,340
Cash to close
$202,791
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,064a month
Down payment
$132,255
Cash to close
$158,706
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lahaina
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,867
$30,860
$865,730
7.18%
FHA MIP · $532
$57,311
580
Conventional, 5% down
$6,563
$44,085
$837,615
7.18%
PMI · $419
$70,536
620*
Conventional, 20% down, no PMI
$5,249
$176,340
$705,360
7.18%
None
$202,791
620*
ITIN, 15% down (example)
$6,064
$132,255
$749,445
8.18%
None
$158,706
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 Lahaina is $1,997 a month: 4% above the county. In Lahaina, 53% 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 Lahaina
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lahaina is in ZIP code 96761.
For 2 bedrooms it is $2,980: $324 more than the fair market rent for Maui County ($2,656).
Fair market rent by ZIP code and size in Lahaina, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96761
$2,080
$2,280
$2,980
$3,760
$4,650
ZIP code2 bd3 bd
96761 $2,980$3,760
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lahaina 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)
HUD lists 6 buildings with rents for lower incomes in Lahaina. These are the largest.
Weinberg Court Apts615 Honoapiilani Hwy, Lahaina 9676163 homes, 61 low-income · 1 bd: 12 · 2 bd: 39 · 3 bd: 10 · In service since 1994 · For families
Lahaina Honokowai Villa Apartments3535 Lower Honoapiilani Rd, Lahaina 9676155 low-income homes · 1 bd: 28 · 2 bd: 27 · In service since 2010 · For families
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 Lahaina or Maui County. The ones below are statewide in Hawaii: they work in Lahaina 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 Lahaina 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 Lahaina 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 Lahaina?
The typical home value in Lahaina is $881,700, 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 Lahaina?
Typical rent in Lahaina is $1,997 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 Lahaina?
Lahaina 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 Lahaina?
The typical homeowner in Lahaina pays $1,264 a year, according to the U.S. Census Bureau. That is 0.14% of the home’s value; in Maui County, the rate is 0.16%.
Where can I find free help to buy or rent in Lahaina?
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.
