Mortgage payment estimates, closing cost breakdowns, and homebuying data for Lahaina, Hawaii.
Median Home Price
$925K
Population
13K
Avg Monthly Rent
$2,580
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 Lahaina.
Lahaina vs Hawaii Median
The median home price in Lahaina is $925,000, which is 11% above the Hawaii state median of $830,000.
Mortgage Calculator — Lahaina, HI
Pre-filled with Lahaina median home price and Hawaii tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $925K home using Hawaii's 0.28% tax rate and $1,200/yr insurance.
5% Down
$6,383/mo
Down: $46,250
Loan: $879K
P&I: $5,554
Tax: $216
Insurance: $100
PMI: $513
10% Down
$6,063/mo
Down: $92,500
Loan: $833K
P&I: $5,262
Tax: $216
Insurance: $100
PMI: $486
20% Down (No PMI)
$4,993/mo
Down: $185,000
Loan: $740K
P&I: $4,677
Tax: $216
Insurance: $100
Income needed (28% rule): $214K/year with 20% down, $260K/year with 10% down.
Rent vs Buy in Lahaina
Rent
$2,580/mo
vs
Buy (10% down)
$6,063/mo
Price-to-rent ratio: 29.9 — At a ratio above 20, renting may be more economical in Lahaina for shorter stays. Buying costs $3,483 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 Lahaina is $925,000, 11% above the Hawaii state median of $830,000. With a population of 12,702, Lahaina 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 Lahaina 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 Lahaina is $2,580/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.
Lahaina is a higher-cost market. At $925K 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 Lahaina.