Sep 2026
$927K
-6.1% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Kahului, HI housing market
Kahului, HI metro median sale price $927K in Sep 2026, down 6.1% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Kahului, HI metro is $927K as of Sep 2026, down 6.1% from a year earlier. That is the 7th-steepest year-over-year decline of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro points the other way: up 3.9% through Q2 2026.
Kahului has the highest median sale price of the two Hawaii metros Pecan Street tracks ($927K), ahead of Honolulu ($762K). Kahului has the most median days on market of the two Hawaii metros (117 days), ahead of Honolulu (76 days). Kahului has the lowest share of listings with a price cut of the two Hawaii metros (16%); Honolulu (22%) is next.
Listings spent a median 117 days on market in Sep 2026, the most of the 385 metros. 16% of active listings carry a price cut, 3.2 points fewer than a year earlier. That share is the lowest of the 385 metros. Median asking prices sit about 7% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $5,084 a month; at 28% of gross income, that takes about $218K a year. The median sale price equals about 23 years of HUD Fair Market Rent, a ratio down 4.8% from a year earlier. That ratio is the 7th-highest of the 373 metros. Active listings ask a median $894 per square foot, down 9.2% from a year earlier.
In six of the nine ZIP codes in the table below, median list prices are lower than a year earlier; three are higher.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$5,084/mo
$218K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Kahului compares to other U.S. metros
| Price cuts | ↓385th of 385 |
|---|---|
| Home-price growth | ↓377th of 383 |
| Days on market | ↑1st of 385 (top 1%) |
| Price-to-rent | ↑7th of 373 (top 2%) |
| Asking-vs-sale gap | 126th of 292 (top 44%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 23 -4.8% YoY ↑7th of 373 (top 2%) |
|---|---|
| Asking price / sq ft | $894 -9.2% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 16% -3.2 pts YoY ↓385th of 385 |
|---|
The median asking price $995K runs about 7% above the median sale price $927K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 9 shown of 14 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
red · 10.0ppRedfin (metro) -6.1% | FHFA HPI · Q2 2026 +3.9% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 96708 | $1.9M↓ | 42↑ | 10↓ | 8↑ | 139↑ | $1.3M↓ |
| 96732 | $1.1M↑ | 56↑ | 14↓ | 20↑ | 101↑ | $1.0M↓ |
| 96748 | $276K↓ | 31↑ | 0↓ | 2↑ | 151↑ | $379K↓ |
| 96753 | $1000K↓ | 403↓ | 56↑ | 70↓ | 114↑ | $985K↓ |
| 96761 | $867K↓ | 545↑ | 50↓ | 62↑ | 126↑ | $961K↓ |
| 96768 | $1.2M↓ | 40↑ | 4↑ | 8↓ | 73↓ | $1.1M↓ |
| 96770 | $399K↑ | 41↓ | 2↑ | 0↓ | 114↓ | $292K↓ |
| 96790 | $2.2M↑ | 37↑ | 6↑ | 14↑ | 97↓ | $1.3M↑ |
| 96793 | $899K↓ | 119↓ | 30↓ | 20↓ | 97↑ | $906K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.