The typical owner-occupied home in Maunaloa is worth about $341,700, 59% below the Hawaii median of $839,100 and 3% above the national median of $332,700. Owners pay a median $500 a year in property taxes, about 0.15% of their home's value, lower than the Hawaii rate of 0.27%. The median household earns $52,500 a year, so the median home costs 6.5 times the median income (8.4 times for Hawaii). 37% of occupied homes here are lived in by their owners, and 100% of those owners still have a mortgage.
Maunaloa at a glance
| Maunaloa | Hawaii | U.S. | |
|---|---|---|---|
| Median home value | $341,700 | $839,100 | $332,700 |
| Median property tax paid per year | $500 | $2,239 | $3,119 |
| Property tax as a share of value | 0.15% | 0.27% | 0.94% |
| Median household income | $52,500 | $100,389 | $80,734 |
| Homes lived in by their owners | 37% | 63% | 65% |
| Owner homes with a mortgage | 100% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,604 | $2,904 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 25.7% | 21.0% |
| Median rent | $1,092 | $1,971 | $1,413 |
| Rent as a share of renters' income | 36.4% | 33.2% | 30.6% |
| Median year homes were built | 1995 | 1980 | 1980 |
| Vacant homes | 21.7% | 13.3% | 10.1% |
| Population | 293 | 1,445,235 | 334,922,499 |
What a typical home costs per month in Maunaloa
At this week's average 30-year rate of 7.11%, buying the median Maunaloa home of $341,700 with 20% down costs about $2,024 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,593, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $86,743 for the 20%-down payment. That payment is 46% of the median Maunaloa household income of $52,500; at that income and 20% down, the 28% guideline points to a home of about $207,000.
The median rent here is $1,092 a month, so owning the median home costs about $932 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $68,340 |
|---|---|
| Loan amount | $273,360 |
| Principal and interest | $1,839 |
| Property taxes (0.15% a year) | $43 |
| Homeowners insurance (our estimate, 0.5% a year) | $142 |
| PMI | $0 |
| Total per month | $2,024 |
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| Down payment | $11,960 |
|---|---|
| Loan amount | $335,511 |
| Principal and interest | $2,257 |
| Property taxes (0.15% a year) | $43 |
| Homeowners insurance (our estimate, 0.5% a year) | $142 |
| FHA mortgage insurance | $151 |
| Total per month | $2,593 |
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Questions about home buying in Maunaloa
What is the median home value in Maunaloa?
About $341,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Maunaloa?
Homeowners pay a median $500 a year, which is about 0.15% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Maunaloa?
For the median home with 20% down at 7.11%, the payment is about $2,024 a month. Keeping that under 28% of gross income takes about $86,743 a year.
More about Maunaloa
- Mortgage Refinance in Maunaloa
- Debt Relief in Maunaloa
- Home Equity Loans in Maunaloa
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data