96761 — Maui County, Hawaii Market Snapshot
Housing market data for zip code 96761 in Maui County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$2,252,500
Days to Sell
158
Homes Sold
10
Inventory
75
Sale-to-List
93.7%
New Listings
28
Price/SqFt
$1,160
Pending Sales
17
Jumbo Loan Likely Needed
The median home in 96761 at $2,252,500 exceeds the 2026 conforming loan limit of $1,299,500 by $953,000. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 158 days on average, 96761 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 96761 sells for 6.3% below asking price (93.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96761 at $2,252,500 exceeds the 2026 conforming loan limit of $1,299,500 by $953,000. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 96761 are set at the county level.
2026 Loan Limits — Maui County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,299,500 | $1,299,500 |
| 2 Units | $1,663,600 | $1,663,600 |
| 3 Units | $2,010,950 | $2,010,950 |
| 4 Units | $2,499,100 | $2,499,100 |
Affordability Snapshot — Zip 96761
To purchase the median home at $2,252,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,408.
Monthly Payment
$17,408
Income Required
$746,055
Principal & Interest
$13,879/mo
Down Payment (5%)
$112,625
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 96761.
Estimated Monthly Payment
$14,090
Jumbo loan required. Loan amount exceeds the $1,299,500 conforming limit for 96761.
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