Taxes & Insurance in Koloa
Koloa applies Kauai County's real, tiered property-tax system alongside Hawaii's statewide 2026 tax structure, disclosed here with the full classification schedule rather than one flattering rate.
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Learn moreKauai County's real, tiered property-tax schedule
FY2025-2026 nominal rates per $1,000 of assessed value: owner-occupied $2.59; non-owner-occupied residential $5.45-$9.40 by value tier; vacation rental $11.30-$12.20 by value tier; hotel/resort $11.75 (base record).
Most Koloa properties likely pay above the favorable owner-occupied rate
Given Koloa's real proximity to Poipu's resort corridor, many Koloa properties likely fall into a materially higher tax tier -- confirm a specific property's classification directly with the Kauai County Real Property Tax Office (base record).
Hawaii's real 2026 income tax and General Excise Tax
Hawaii's top marginal income tax rate runs 11% (2026), and Kauai County's General Excise Tax surcharge brings the combined statewide GET rate to 4.5% (base record).
A real, separate hurricane deductible and flood exclusion
Hawaii carries a real, separate hurricane deductible (1%-5% of dwelling value, activated during a hurricane warning/watch), and standard homeowners policies exclude flood damage entirely (base record).
Key takeaways
- Kauai County property tax runs $2.59-$12.20 per $1,000 depending on classification -- confirm a specific property's tier directly.
- Many Koloa properties likely pay above the county's favorable owner-occupied rate given proximity to Poipu's resort corridor.
- Hawaii's 11% top income tax rate and 4.5% combined GET rate apply statewide.
- Hurricane coverage and flood insurance run as real, separate costs from a standard homeowners premium.
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