FHA Loan Limits in Maui County, Hawaii (2026)
Maui County and the rest of Maui County, Hawaii fall under a 2026 one-unit FHA limit of $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
These 2026 limits apply throughout Maui County, from Maui County outward, and sit alongside the limits set for neighboring Honolulu and Hawaii Counties.
How much home can you afford in Maui County?
An FHA buyer near Maui County faces an estimated $1,100,000 median, a $38,500 down payment, and — after Hawaii's 0.29% property tax — a monthly cost around $7,519. That suits household income of roughly $291,000, above Hawaii's $94,814 median household income, so budget carefully.
FHA payment scenarios in Maui County
FHA payments across Maui County price points — from entry homes near Maui County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $792,000 | $27,720 | $5,447 |
| Local median — $1,100,000 | $38,500 | $7,519 |
| At the FHA limit — $1,249,125 | $43,719 | $8,523 |
Estimates include FHA MIP plus Hawaii property taxes and insurance. Rates move daily near Maui County too — get notified.
In Maui County and the surrounding Maui County market, FHA's appeal is the math: $38,500 down on a $1,100,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Maui County
Maui County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in Maui County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Maui County for 2026?
- In Maui County (Maui County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Maui County with FHA?
- For a median-priced ($1,100,000) Maui County home, plan on income around $291,000 at a 31% housing ratio — about $7,519/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Maui County?
- 3.5% with a 580+ score — roughly $38,500 on a $1,100,000 Maui County-area home. Gift funds are allowed.
- Is Maui County a high-cost FHA area?
- Yes — Maui County's $1,249,125 one-unit limit tops the $541,287 national floor.