Compare Maui, HI mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Maui.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Maui. Plus, shopping lenders is free and there is no obligation.
August 10, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Maui. Understand how much you need to earn to afford a home in Maui, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Maui fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Maui is right for you.
The median home value for Maui, HI is $853,827
Based on current mortgage rates and a 10% down payment, you need to make $178,122 per year to buy the median priced home in Maui
With this income, you could qualify for a $768,444 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Maui is $4,125
The median household income for Maui, HI is $77,387
Based on this income, you can afford a home valued at approximately $370,952
The home price you can afford to buy based on household income in Maui is 43% of the median home value which means housing prices are very expensive. Maui ranks 4 out of 5 counties in Hawaii and 3,133 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Maui, HI is very expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Maui below.
Conforming loan limits for Maui, HI
FHA loan limits for Maui, HI