RentData

Average Rent in Kahului, HI Rents rising 7.9% YoY

HUD FY2025 · Official government data · Updated annually · Metro pop. 164,675

Data review: HUD FY2025Sources: HUD, Zillow, CensusMethodologyEditorial standardsReport a correction

Market Overview

Kahului, HI has rental prices ranging from $1,750/month to $3,584/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $1,762/month — 26% above the national average of $1,400/month. With a median household income of $95,049/year, spending $1,762/month on a 1-bedroom represents 22% of gross income — within the recommended 30% threshold.

How Kahului Compares

With an average 2-bedroom rent of $2,309/month, Kahului ranks #2 most expensive of the 7 cities tracked in Hawaii — pricier than 99% of all US cities in our data.

The Kahului Rental Market

The Kahului, HI area has a population of about 164,675 and 35% of households renting rather than owning. That is close to the US average renter share of ~34%.

Rent Trends

2-bedroom rents in Kahului, HI have risen by $170/month (7.9%) over the past year, from $2,139 to $2,309. This modest growth is consistent with broader inflationary trends seen across US rental markets.

Affordability

To afford a 1-bedroom apartment in Kahului, HI without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $70,480. The local median household income of $95,049 exceeds that threshold by $24,569, making Kahului relatively accessible compared to local wages.

Rent vs. Buy

The median home value in Kahului, HI is $1,034,119, giving a price-to-rent ratio of 37.3. With a break-even horizon of approximately 37 years, renting is likely the more financially prudent option for most residents unless they plan to stay long-term.

Fair Market Rents

HUD FY2025
Studio
$1,750
Affordable
1 Bedroom
$1,762
Affordable
2 Bedrooms
$2,309
7.9% YoY
Affordable
3 Bedrooms
$3,103
Average
4 Bedrooms
$3,584
Expensive
🔔
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Median Home Value
$1,034,119
Source: Zillow ZHVI
Est. monthly payment
$5,504/mo
20% down · 30yr · 7%

Is Kahului, HI Affordable?

Income needed to rent or buy, price history, and how this city compares to nearby metros.

Affordability Index(30% income rule)

To rent a 2BR
$92,360/year
Local median income: $95,049
To buy a median home
$220,161/year
US national median: $75,000
💡 Based on a 2BR rent of $2,309/month and 20% down on a $1,034,119 home at 7% rate.

Nearby Cities in HIlargest metros in the state

CityStudio1BR2BR3BRHome Value
Urban Honolulu$1,887$2,052$2,687$3,765
Hawaii County$1,575$1,612$2,075$2,703
Maui County$1,186$1,335$1,675$2,416
Kauai County$1,597$1,625$2,135$2,810
Kalawao County$1,186$1,335$1,675$2,416
Kalawao County$1,339$1,370$1,797$2,325

Rent or Buy in Kahului?

Break-even analysis and mortgage estimates based on local market data.

Should I Rent or Buy?

Break-even analysis using real Kahului data

$
Home Value
$1,034,119
2BR Rent
$2,309/mo
Mortgage Rate
7%
Monthly P&I
$5,504/mo
🏢 Rent

Renting appears to be the better financial choice for this scenario.

Total monthly buy cost: $7,615/movs rent: $2,309/mo
Estimates only. Excludes HOA, PMI (if <20% down), closing costs, and tax benefits. Assumes 5% return on invested down payment.

Mortgage Calculator

Estimate monthly payment for $1,034,119 home at 7% rate

20% — $206,824
3%50%
Estimated Monthly Payment
$5,504
per month · 30 years · 7% APR
Loan Amount
$827,295
Total Paid
$1,981,446
Total Interest
$1,154,151
Estimated only. Excludes taxes, insurance, HOA. Rate from FRED.

Living in Kahului

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Frequently Asked Questions

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🏘️Neighborhoods in Kahului

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⚖️Rent vs Buy in Kahului

Is it cheaper to rent or buy here?

💵Rent Affordability in Kahului

Salary needed to afford rent here

🗺️All Cities in HI

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📋HI Tenant Rights

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