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Wailuku Mortgage Calculator

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

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Est. Total Monthly Cost
$5,774
P&I Payment$5,342
Taxes & Ins$185
Utilities$247
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Mortgage Details

$1,026,263
Local Median: $1,026,263
$205,253 (20%)
%

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

Local Area Costs

Monthly$5,774

Monthly Breakdown

Principal & Interest
$5,342
Property Taxes
$97
Homeowners Ins.
$88
Utilities
$247

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,102,105

Local Housing Facts for Wailuku

  • ·Median home value: $1,026,263 (adjusted for current market conditions)
  • ·Est. property taxes: $1,161/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,055/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,967/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 Wailuku?

Based on the local median home value, estimated real estate property taxes in Wailuku are around $1,161 per year.

What is the average home price in Wailuku?

The median home value in Wailuku is currently estimated at $1,026,263.

How much does homeowners insurance cost in Wailuku?

For a median priced home, homeowners insurance in Wailuku averages around $1,055 annually.

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

True homeownership costs go beyond principal and interest. In Wailuku, a typical homeowner with a median-priced home of $1,026,263 can expect to pay roughly $1,161/yr in property taxes, $1,055/yr for homeowners insurance, and $2,967/yr in energy utilities. That adds approximately $432 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.