Lahaina, Hawaii.
Typical home $965,230 (-6.5% in a year), asking rent $3,292 (+11.2%). Kahului-Wailuku-Lahaina, HI metro.
to buy the typical home at today's mortgage rate — +$2,232 (+79%) since Jan 2020.
- 1 year
- Down $67,594 -7%
- $1,032,824$965,230 since Sep 2025
- 5 years
- Up $65,134 +7%
- $900,097$965,230 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Lahaina$5,066
- Hawaii$4,372
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 50 years.
Typical home values in Lahaina, HI fell 6.5% over the past year — slower than the nation's +1.2%.
Asking rents in Lahaina, HI rose 11.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Lahaina runs $2,938/mo more than renting one. The gap peaked at $4,488 in Nov 2024.
That is $6,230 a month against $3,292 rent: a $5,066 mortgage payment, plus $130 property tax and $1,033 insurance & upkeep.
Owning vs renting — Lahaina
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$6,230
- Renting$3,292
- Mortgage only$5,066
Property tax · $130/mo 0.16% of value a year — the ACS 2020-2024 median bill over the median home value for Maui County, HI
Insurance & upkeep · $1,033/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Lahaina, Maui County, Hawaii
Lahaina, in Maui County, had 12,702 people in the 2020 census. Half its households earn more than $88,889 a year and half less, against $97,161 across Maui County; 12% of its people live below the poverty line. 56% of its homes are lived in by their owners and 44% are rented. Unemployment in Maui County was 2.9% in August 2026, and the county had 1.0% more jobs in 2025 than the year before. The most residents work in restaurants and hotels, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lahaina is a West Maui community on the Hawaiian coast, where the weather stays mild all year. Winters are barely cooler than summers, there is little or no snow, and the yearly rainfall is modest. Homeowners are in the majority, though incomes run below the county's and typical home values and rents are high.
Work. Many residents work in restaurants, hotels and entertainment, with others in schools, hospitals and social care, and in shops. One of the largest workplaces in town is the Hyatt Regency Maui Resort and Spa, alongside the Lahaina District Court and the County of Maui Department of Fire & Public Safety. Commutes are fairly short, and few people work from home.
Things to do. In or beside town, Lahaina Banyan Court Park is a place to sit and stroll, and the Lahaina Heritage Museum and the archaeological site at Mokuʻula tell the story of the area's past. A short drive away, the Hawaiian Islands Humpback Whale National Marine Sanctuary is a protected area of coastal waters.
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- 2,960households
- 26%of adults have a degree
- 12%below the poverty line
- 20 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Maui County had 74,407 jobs in 2025, 1.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 76° and lows near 64°; warmest in August, with highs near 85° and lows near 71°. About 23 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Puukolii weather station, 3 miles away (NOAA).
Largest workplaces in Lahaina
- Hyatt Regency Maui Resort and SpaOggrm618
- Hoaloha Na EhaTraveling shows, carnival303
- County of Maui Department of Fire & Public SafetyFire departments)33
- County of Maui Parks & Recreation West districtCommunity recreation programs, government27
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 981 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- WildfireRelatively high
- TsunamisRelatively high
- Earthquakesrelatively high in parts of LahainaRelatively moderate
- Coastal floodingRelatively moderate
- Lightningrelatively high in parts of LahainaRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lahaina’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Maui County and the Kahului-Wailuku-Lahaina, HI metro.
Lahaina home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lahaina$965,230
- Hawaii$832,932
- United States$366,157
Sellers are cutting prices on about 1 in 7 Lahaina listings, and the typical home goes pending in 156 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Lahaina15.27%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Lahaina156
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lahaina512
New listings per month
Sellers arriving at the market.
- Lahaina45
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Lahaina$699,998
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Lahaina94.22%
Zip codes with a Lahaina address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lahaina — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.