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Mortgage Calculator &
Closing Costs: Kihei, HI

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Kihei, Hawaii.

Median Home Price
$925K
Population
23K
Avg Monthly Rent
$2,650
Property Tax Rate
0.28%
Kihei vs Hawaii Median
The median home price in Kihei is $925,000, which is 11% above the Hawaii state median of $830,000.

Mortgage Calculator — Kihei, HI

Pre-filled with Kihei median home price and Hawaii tax/insurance rates. Adjust for your property.

$
$185,000
%
%
years
HI avg
%
$
Monthly Payment (PITI)
$4,993
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$4,677
per month
Taxes & Insurance
$316
per month
Total Interest Paid
$944K
over 30 years
Total Loan Cost
$1.7M
all payments
Payment Breakdown
Loan Amount$740,000
Principal & Interest$4,677
Property Taxes$216
Homeowners Insurance$100
Total Monthly PITI$4,993

Closing Costs — Kihei, HI

Estimated closing costs based on Hawaii rates and fees applied to Kihei prices.

$
%
Hawaii: Avg closing costs 1.5% of price. Transfer tax: 0.2%.
Estimated Closing Costs
$19,929
2.2% of purchase price
Lender Fees
$7,085
origination, underwriting
Third-Party
$6,075
appraisal, title, inspection
Government Fees
$1,850
transfer taxes, recording
Prepaids + Escrow
$4,919
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$6,660
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$4,925
Recording Fee$150
Transfer Tax$1,850
Prepaid Taxes (3 mo)$648
Prepaid Insurance (12 mo)$1,200
Prepaid Interest (15 days)$2,224
Escrow Reserves$848
Total Closing Costs$19,929

Buying a Home in Kihei, Hawaii

The median home price in Kihei is $925,000, 11% above the Hawaii state median of $830,000. With a population of 22,749, Kihei is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Hawaii average 0.28% annually. This low property tax rate is a significant advantage for Kihei buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Hawaii runs approximately $1,200 per year. This is within the normal range nationally.

Average rent in Kihei is $2,650/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Kihei is a higher-cost market. At $925K median, buyers need significant savings or strong income. Down payment assistance through Hawaii's HHFDC Hula Mae Program program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Kihei.
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