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Lahaina Mortgage Calculator

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

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Est. Total Monthly Cost
$6,313
P&I Payment$5,823
Taxes & Ins$220
Utilities$269
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Mortgage Details

$1,104,112
Local Median: $1,104,112
$220,822 (20%)
%

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

Local Area Costs

Monthly$6,313

Monthly Breakdown

Principal & Interest
$5,823
Property Taxes
$135
Homeowners Ins.
$86
Utilities
$269

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,213,082

Local Housing Facts for Lahaina

  • ·Median home value: $1,104,112 (adjusted for current market conditions)
  • ·Est. property taxes: $1,616/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,028/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,233/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 $1,616 per year.

What is the average home price in Lahaina?

The median home value in Lahaina is currently estimated at $1,104,112.

How much does homeowners insurance cost in Lahaina?

For a median priced home, homeowners insurance in Lahaina averages around $1,028 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 $1,104,112 can expect to pay roughly $1,616/yr in property taxes, $1,028/yr for homeowners insurance, and $3,233/yr in energy utilities. That adds approximately $490 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.