Income needed to buy a home
Maui County, HI
$308,407
a year in household income to buy the typical Maui County home with 10% down.
The monthly math
Typical home value$987,614
Down payment (10%)$98,761
Loan$888,853
Principal and interest (7.40%)$6,154/mo
Property tax (0.22% a year)$178/mo
Homeowners insurance (estimate)$494/mo
Mortgage insurance$370/mo
Total monthly cost$7,196/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Out of reach
The typical household here earns $97,161 a year, 32% of what it takes.
In Hawaii
Maui County ranks #3 of 4 for the income a home takes, from least to most.
Easiest to afford in Hawaii
| County | Typical home | Income needed |
|---|---|---|
| Hawaii County | $570,916 | $180,974 |
| Honolulu County | $856,332 | $270,133 |
| Kauai County | $1,018,601 | $319,211 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.