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96761 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 96761 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$7,157
P&I Payment$6,610
Taxes & Ins$289
Utilities$258
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Mortgage Details

$1,270,131
Local Median: $1,270,131
$254,026 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$7,157

Monthly Breakdown

Principal & Interest
$6,610
Property Taxes
$199
Homeowners Ins.
$90
Utilities
$258

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,363,508

Local Housing Facts for ZIP Code 96761

  • ·Median home value: $1,270,131 (adjusted for current market conditions)
  • ·Est. property taxes: $2,390/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,082/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,093/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in LAHAINA?

Based on the local median home value, estimated real estate property taxes in LAHAINA are around $2,390 per year.

What is the average home price in LAHAINA?

The median home value in LAHAINA is currently estimated at $1,270,131.

How much does homeowners insurance cost in LAHAINA?

For a median priced home, homeowners insurance in LAHAINA averages around $1,082 annually.

What is the true total cost of owning a home in LAHAINA?

True homeownership costs go beyond principal and interest. In LAHAINA, a typical homeowner with a median-priced home of $1,270,131 can expect to pay roughly $2,390/yr in property taxes, $1,082/yr for homeowners insurance, and $3,093/yr in energy utilities. That adds approximately $547 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.