Average mortgage payment in Maui County, HI (2026)
The average mortgage payment in Maui County on a median-priced home (~$850,000) is roughly $5,948/month — assuming 10% down at a 6.85% 30-year fixed rate and Hawaii's 0.29% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $254,921. County population is roughly 164,754.
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How Maui County compares to Hawaii
The typical home in Maui County is 1% above the statewide median of $845,000 in Hawaii. Property tax is set at the state's effective rate of 0.29% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Maui County?+
On a median Maui County home (~$850,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $5,948/month, including ~$205 in property tax.
What income do I need to buy a home in Maui County?+
Using the 28% front-end DTI rule, you'd need roughly $254,921 in annual gross household income to comfortably carry the median Maui County home.
How does Maui County compare to the rest of Hawaii?+
Maui County's median home ($850,000) is 1% above the Hawaii median of $845,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.