In Wailuku, a typical home is worth $855,700 and typical rent is $1,762 a month. Compared with all of Maui County, typical rent is 8% lower and typical household income is 6% higher.
Typical home value from Zillow, September 2021 to September 2026: from $725,320 to $903,428.
Typical rent
$3,202a month
▲ 1.9% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $3,040 to $3,202.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wailuku 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 Wailuku fell 1.9%; in Hawaii, it rose 1.4%.
2
Nearby, in Kahului, the typical rent is $1,488: 16% less than in Wailuku ($1,762).
3
12% of households in Wailuku have no internet at home (7% in Maui County).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Wailuku
What homes there are in Wailuku, 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
Wailuku
Maui County
Hawaii
United States
Kind of home: Wailuku and its comparisons
Measure
Wailuku
Maui County
Hawaii
United States
Detached house
58%
60%
54%
61%
Attached house
10%
7%
9%
6%
Building of 2 to 4
8%
7%
6%
8%
Apartments (5 or more)
22%
25%
31%
19%
Mobile home
Unreliable estimate
1%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Wailuku, 6 in 10 homes are single-family detached houses, about the same as in Maui County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Wailuku
Maui County
Hawaii
United States
Year built: Wailuku and its comparisons
Measure
Wailuku
Maui County
Hawaii
United States
Before 1960
17%
10%
14%
26%
1960–1979
25%
30%
36%
24%
1980–1999
27%
36%
28%
25%
2000–2009
18%
15%
12%
14%
2010 or later
14%
8%
9%
11%
In Wailuku, half of the homes were built before 1987; in Maui County, before 1985.
There is more room for a big family here: 61% of homes have 3 bedrooms or more, against 53% in Maui County.
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–$500K11%
$500K–$750K15%
$750K–$1M37%
$1M or more29%
Value of owner-occupied homes: Wailuku and its comparisons
Measure
Wailuku
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
11%
$500K–$750K
15%
$750K–$1M
37%
$1M or more
29%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99913%
$1,000–$1,49917%
$1,500–$1,99931%
$2,000–$2,49916%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wailuku and its comparisons
Measure
Wailuku
Under $500
Unreliable estimate
$500–$999
13%
$1,000–$1,499
17%
$1,500–$1,999
31%
$2,000–$2,499
16%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,793 a month
Maui County: $2,821 a month
Without a mortgage
$554 a month
Maui County: $593 a month
Owners with a mortgage
67%
Maui County: 63%
The typical cost for an owner with a mortgage in Wailuku is $2,793 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
Wailuku+57%
Maui County+43%
Hawaii+36%
United States+53%
Typical rent
Wailuku+37%
Maui County+27%
Hawaii+22%
United States+33%
Typical household income
Wailuku+40%
Maui County+20%
Hawaii+24%
United States+29%
Change since 2015–2019: Wailuku and its comparisons
Measure
Wailuku
Maui County
Hawaii
United States
Typical home value
+57%
+43%
+36%
+53%
Typical rent
+37%
+27%
+22%
+33%
Typical household income
+40%
+20%
+24%
+29%
Since 2015–2019, homes in Wailuku gained value faster than in Maui County: 57% against 43%.
The typical rent in Wailuku rose 37% over the same time; in Maui County, it rose 27%.
To compare: typical income in Wailuku rose 40%; the home, +57%; the rent, +37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wailuku and its comparisons
Measure
Wailuku
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
8.5%
10.1%
8.8%
3.4%
People per household
2.67
2.90
2.85
2.53
Drive alone
77%
70%
65%
69%
Carpool
10%
13%
14%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
3%
5%
3%
Work from home
8%
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 8.5% of households in Wailuku live, less than in Maui County (10.1%).
Households in Wailuku are smaller: 2.67 people on average; in Maui County, 2.90.
To get to work, 77% of workers in Wailuku drive alone; in Maui County, 70%.
Do the math
What would you pay each month for a home in Wailuku?
A typical home costs more than the typical income allows
We start with a typical home in Wailuku, worth $855,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 76% of the typical household income in Wailuku, which is $102,942 a year. For that payment to be 28% of income, a household would need to earn about $280,019 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 Wailuku. 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 $29,950 (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
$6,534
at 7.18% · 30 years
Loan amount
$840,201
Total interest
$1,208,852
Paid off in
November 2056
Includes $14,451 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,402 a month
Tight
$2,402 to $3,088 a month
Hard
more than $3,088 a month
Your payment · 76%
Compared with the typical household income in Wailuku ($102,942 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,692
Property tax
$107
Home insurance
$357
FHA mortgage insurance (MIP)
$378
You need at least $29,950 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 $6,534; principal and interest $5,692.
The city and its county
Wailuku and Maui County
Wailuku 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).
Wailuku
Map of Maui County, Hawaii, with Wailuku marked. Around it, the neighboring counties.
Wailuku
Maui County
Other cities with a page
Wailuku's own numbers
Typical home value
$855,700
Typical monthly rent
$1,762
Typical yearly household income
$102,942
Households that own their home
71%
Effective property tax rate
0.15%
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 Wailuku is worth $855,700: 5% below the county and about the same as Hawaii. With the typical household income in Wailuku ($102,942 a year), a typical home costs 8.3 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.
Wailuku8.3 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
Wailuku 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
Wailuku$855,700
Maui$904,700
Hawaii$839,100
United States$332,700
Typical monthly rent
Wailuku$1,762
Maui$1,916
Hawaii$1,971
United States$1,413
Typical yearly household income
Wailuku$102,942
Maui$97,161
Hawaii$100,389
United States$80,734
See the full table
Wailuku next to Maui County and Hawaii
Measure
Wailuku
Maui County
Hawaii
U.S.
Typical home value
$855,700 ▼5% below the county
$904,700
$839,100
$332,700
Typical monthly rent
$1,762 ▼8% below the county
$1,916
$1,971
$1,413
Typical yearly household income
$102,942 ▲6% above the county
$97,161
$100,389
$80,734
Households that own their home
71% ▲5 points above the county
66%
63%
65%
Typical yearly property tax
$1,251 ▼15% below the county
$1,466
$2,239
$3,119
Effective property tax rate
0.15% ▼0.01 points below the county
0.16%
0.27%
0.94%
Renters with high rent for their income
67% ▲11 points above 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 Wailuku
For a typical $855,700 home in Wailuku, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wailuku's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,534a month
Least cash to close
Down payment
$29,950
Cash to close
$55,621
Rate
7.18%
Mortgage insurance
FHA MIP · $378
Conventional, 5% down$6,377a month
Down payment
$42,785
Cash to close
$68,456
Rate
7.18%
Mortgage insurance
PMI · $406
Conventional, 20% down, no PMI$5,101a month
Down payment
$171,140
Cash to close
$196,811
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,892a month
Down payment
$128,355
Cash to close
$154,026
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wailuku
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,534
$29,950
$840,201
7.18%
FHA MIP · $378
$55,621
580
Conventional, 5% down
$6,377
$42,785
$812,915
7.18%
PMI · $406
$68,456
620*
Conventional, 20% down, no PMI
$5,101
$171,140
$684,560
7.18%
None
$196,811
620*
ITIN, 15% down (example)
$5,892
$128,355
$727,345
8.18%
None
$154,026
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 Wailuku is $1,762 a month: 8% below the county. In Wailuku, 67% 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 Wailuku
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wailuku is in ZIP code 96793.
For 2 bedrooms it is $2,470: $186 less than the fair market rent for Maui County ($2,656).
Fair market rent by ZIP code and size in Wailuku, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
96793
$1,720
$1,890
$2,470
$3,120
$3,850
ZIP code2 bd3 bd
96793 $2,470$3,120
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wailuku 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 9 buildings with rents for lower incomes in Wailuku. These are the largest.
Hale Makana O Waiale195 Waimaluhia Ln, Wailuku 96793200 low-income homes · Studio: 24 · 2 bd: 128 · 3 bd: 32 · 4 bd: 16 · In service since 1997 · For families
Kahekili Terrace2049A Holowai Pl, Wailuku 96793196 low-income homes · Run by Hawaii Public Housing Authority · Average payment: $870 a month · Average wait: 39 months(808) 832-4694
Lokenani Hale Apts1889 Loke St, Wailuku 9679361 low-income homes · 1 bd: 61 · In service since 2005 · For older adults
Hale Mahaolu Ekolu717 Makaala Dr, Wailuku 9679342 homes, 41 low-income · For older adults(808) 242-4377
Imi Ikena Apts511 Imi Pl, Wailuku 9679327 low-income homes · 2 bd: 24 · 3 bd: 3 · In service since 2013 · 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 Wailuku or Maui County. The ones below are statewide in Hawaii: they work in Wailuku 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 Wailuku 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 Wailuku 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 Wailuku?
The typical home value in Wailuku is $855,700, 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 Wailuku?
Typical rent in Wailuku is $1,762 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 Wailuku?
Wailuku 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 Wailuku?
The typical homeowner in Wailuku pays $1,251 a year, according to the U.S. Census Bureau. That is 0.15% of the home’s value; in Maui County, the rate is 0.16%.
Where can I find free help to buy or rent in Wailuku?
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.
