Updated · Property tax data: Census ACS 2024 5-year estimates · Transfer tax verified April 2026 · Methodology · Editorial policy
Maui County's 0.16% effective property tax rate ranks 6th lowest among the 3,134 US counties tracked, placing it in the bottom 5% lowest nationally. Within Hawaii's 4 counties, it's the 1st lowest. On the county's median home value of $904,700, the typical homeowner pays $1,466 annually in property tax, close to the national median of $1,629. At closing, Hawaii's 0.10% combined real estate transfer tax adds roughly $905 on a median-priced home, typically paid by the seller.
Enter any purchase price to see the full cost breakdown for Maui County.
Low flood risk. Flood insurance not typically required. Verify at msc.fema.gov for your specific property.
All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 7.28%, the Freddie Mac PMMS average for the week ending October 1, 2026. Your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.
Ways buyers in Maui County may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
$120,000 off assessed value for homeowners under 65; $160,000 for homeowners 65+. Amounts vary by county (Maui, Hawaii, Kauai have their own scales).
View official source →$25,000 additional real property tax exemption for homeowners with impaired sight or hearing or total disability, certified by a Hawaii-licensed physician. Stacks with home exemption.
View official source →Veterans 100% totally disabled due to service-related injuries while on active duty receive a full property tax exemption, subject only to the minimum real property tax (currently $300).
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
Answers to common questions about buying a home in Maui County.
The effective property tax rate in Maui County is 0.16%, calculated as the median annual property tax paid ($1,466) divided by the median home value ($904,700), using 2024 US Census ACS 5-year estimates. Your actual bill depends on your purchase price, homestead or senior exemptions, and any special assessments applied in your taxing district.
Hawaii's combined real estate transfer tax is approximately 0.10% of the purchase price. On the median Maui County home value of $904,700, this adds roughly $905 at closing. Graduated Conveyance Tax, seller pays by custom. Owner-occupied rates (buyer eligible for Homeowner's Exemption): $0.10/$100 (0.10%) under $600k; $0.20/$100 $600k–$1M; $0.30/$100 $1M–$2M; $0.50/$100 $2M–$4M; $0.70/$100 $4M–$6M; $0.90/$100 $6M–$10M; $1.00/$100 ≥$10M. Non-owner-occupied rates are 50–125% higher. seller_rate shown is the floor; full calculator needs bracket logic. Proposed 2026 legislation may restructure rates.
Flood risk is relatively low. Only 1.5% of Maui County's land falls within a FEMA Special Flood Hazard Area. Flood insurance is not typically required, though individual properties near waterways may still be in a zone. Verify at msc.fema.gov.
Closing costs for a buyer in Maui County typically run $18,094–$45,235 (2–5% of purchase price) on a median-priced home, including title insurance ($800–$2,000), appraisal ($400–$700), home inspection ($350–$600), recording fees ($100–$300), and loan origination (0.5–1.0% of the loan amount). Use the calculator above for a specific estimate at your purchase price.
Every county-specific figure on this page links to the exact public dataset it comes from. Verify the numbers yourself against the original source.
Source for the $1,466/yr median taxes paid (ACS 2024 5-year estimates, variable B25103_001E).
Source for the $904,700 median home value (variable B25077_001E). The 0.16% effective rate is median taxes paid divided by median home value.
Source for the transfer tax used in the calculator (buyer 0.00%, seller 0.10%). Verified April 2026.
Source for the county's flood hazard exposure (coastal and inland flood exposure area as a share of county area).
The national dataset behind the county report, including its technical documentation and release notes.
Look up a specific property's flood zone and insurance rate map before making an offer on a home in Maui County.
Closing cost line items are national ranges, not county data. The methodology lists each range's source and the calculator's assumptions (mortgage rate, insurance, PMI).
Hawaii property tax exemptions: official sources
Verified April 2026.
What every buyer should read before making an offer.
An HOA capped rentals at 10 of 50 homes and grandfathered the existing landlords. How to find rental restrictions before closing, and what they cost you.
Read the guide →A buyer closed on a house and only then found out about ongoing HOA lawsuits. Six checks you can run yourself before your contingencies expire.
Read the guide →HOA special assessment not on the disclosure? One buyer got a $15,000 bill the day after closing. How to catch it before, and what to do after.
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