Mortgage Refinance Rates in Maui County, Hawaii (2026)
If you own in Maui County or elsewhere in Maui County, Hawaii, a refinance could cut your payment by around $625/month — the gap between a ~7.50% rate and today's example 6.25% on a $748,000 loan.
Lowering your Maui County payment
What dropping your rate looks like for a Maui County-area homeowner:
| Payment | Per Month |
|---|---|
| Today (~7.50%) | $5,230 |
| Refinanced (~6.25%) | $4,606 |
| What you would save | $625 |
Estimates use a $748,000 balance and Hawaii property taxes; your real savings depend on your rate, balance, and term. Get alerts when rates drop.
What different Maui County balances save
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Maui County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $524,000 | $3,664 | $3,226 | $438 |
| $748,000 | $5,230 | $4,606 | $625 |
| $1,010,000 | $7,062 | $6,219 | $843 |
Rate-by-rate payments on a $748,000 loan
Here is the monthly principal and interest on a $748,000 Maui County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $4,247 | $6,112 |
| 5.75% | $4,365 | $6,211 |
| 6.00% | $4,485 | $6,312 |
| 6.25% | $4,606 | $6,414 |
| 6.50% | $4,728 | $6,516 |
| 6.75% | $4,852 | $6,619 |
| 7.00% | $4,976 | $6,723 |
A 15-year refinance of $748,000 near Maui County runs about $6,414/month versus $4,606 on a 30-year — a higher payment near Maui County but far less total interest over the life of the Maui County loan.
Pulling cash from your Maui County-area home
Maui County owners with equity can pull cash out to the 80% LTV line, roughly $132,000 here, while still locking a fresh rate on the whole balance.
| Cash-Out Figure | Amount |
|---|---|
| Appraised value (est.) | $1,100,000 |
| Balance you owe now | $748,000 |
| Max new loan at 80% LTV | $880,000 |
| Cash you could pull out | $132,000 |
In Maui County, Hawaii, property taxes average roughly 0.29% of value, so escrow on a $1,100,000 home adds about $266/month beyond principal and interest. A $748,000 balance sits near 68% loan-to-value, leaving about $352,000 in equity — room for a rate-and-term refinance now and a cash-out later around Maui County.
Maui County loan limits for 2026
The 2026 conforming ceiling in Maui County is $1,249,125, raised for this high-cost area. Above it, expect jumbo pricing and tighter underwriting.
- Maui County value about $1,100,000 with a $748,000 balance (~68% LTV).
- Monthly savings near $625; break-even around month 30 on $18,700 of costs.
- Five-year net of about $18,774 and cash-out room near $132,000.
- Conforming limit $1,249,125; current equity roughly $352,000 near Maui County.
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Frequently Asked Questions
- How much can I save refinancing in Maui County in 2026?
- On a typical $748,000 balance, moving from about 7.50% to 6.25% saves roughly $625/month in principal and interest. Your savings depend on your current rate, balance, and term.
- How much cash can I take out of my Maui County-area home?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $1,100,000 Maui County home with a $748,000 balance, that is about $132,000 in available cash.
- What is the conforming loan limit in Maui County for 2026?
- The 2026 conforming limit is $1,249,125 for a one-unit home (a high-cost county above the $806,500 baseline). Refinances above that are jumbo loans.
- When does a refinance pay off in Maui County?
- Divide your closing costs (about $18,700 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Maui County-area home?
- On an estimated $1,100,000 value with a $748,000 balance, that is about $352,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Maui County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $748,000 Maui County balance, that move is worth roughly $625 a month.