Mortgage payment estimates, closing cost breakdowns, and homebuying data for Kahului, Hawaii.
Median Home Price
$850K
Population
30K
Avg Monthly Rent
$2,550
Property Tax Rate
0.28% *
* Property tax shown is the Hawaii state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Kahului.
Kahului vs Hawaii Median
The median home price in Kahului is $850,000, which is roughly in line with the Hawaii state median of $830,000.
Mortgage Calculator — Kahului, HI
Pre-filled with Kahului median home price and Hawaii tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $850K home using Hawaii's 0.28% tax rate and $1,200/yr insurance.
5% Down
$5,873/mo
Down: $42,500
Loan: $808K
P&I: $5,104
Tax: $198
Insurance: $100
PMI: $471
10% Down
$5,580/mo
Down: $85,000
Loan: $765K
P&I: $4,835
Tax: $198
Insurance: $100
PMI: $446
20% Down (No PMI)
$4,596/mo
Down: $170,000
Loan: $680K
P&I: $4,298
Tax: $198
Insurance: $100
Income needed (28% rule): $197K/year with 20% down, $239K/year with 10% down.
Rent vs Buy in Kahului
Rent
$2,550/mo
vs
Buy (10% down)
$5,580/mo
Price-to-rent ratio: 27.8 — At a ratio above 20, renting may be more economical in Kahului for shorter stays. Buying costs $3,030 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Kahului is $850,000, roughly in line with the Hawaii state median of $830,000. With a population of 29,571, Kahului is a smaller market where home prices reflect strong demand and local economic factors.
Property taxes in Hawaii average 0.28% annually. This low property tax rate is a significant advantage for Kahului buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Hawaii runs approximately $1,200 per year. This is within the normal range nationally.
Average rent in Kahului is $2,550/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Kahului is a higher-cost market. At $850K median, buyers need significant savings or strong income. Down payment assistance through Hawaii's HHFDC Hula Mae Program program becomes especially important.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Kahului.