Taxes & Insurance in Makawao
Makawao applies Maui County's genuinely low property-tax rate and Hawaii's real, statewide 11% top income tax, alongside homeowners insurance this record discloses as genuinely elevated by real wildfire risk.
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Learn moreHawaii's real, statewide 2026 income tax
Hawaii's individual income tax carries a real top marginal rate of 11% (2026), among the highest in the nation, applying in Makawao as statewide, with Social Security fully exempt and employer-funded pensions exempt (base record).
Maui County's genuinely low property tax rate
Maui County's owner-occupied property tax runs a tiered $1.80-$3.25 per $1,000 assessed value, with a cited blended effective rate of approximately 0.16%-0.20% -- genuinely among the lowest in the nation on a rate basis (base record).
A real dollar bill that reflects Makawao's own high values
Because Makawao's own home values run genuinely high (Redfin's $1.3M cited median), the real dollar property-tax bill on a typical Makawao home runs meaningfully above what the low rate alone would suggest (base record).
Genuinely elevated, wildfire-repriced homeowners insurance
Maui-wide typical premiums of $2,400-$4,800/year apply, a real, disclosed consequence of post-2023-wildfire risk repricing -- Makawao's own direct 2023 fire plausibly does not reduce its own underwriting risk relative to that range (base record).
Key takeaways
- Hawaii's real, statewide 11% top income tax rate applies in Makawao as everywhere in the state.
- Maui County's ~0.16%-0.20% effective property tax rate is genuinely low on a rate basis.
- Makawao's own high home values mean a real, meaningful dollar property-tax bill despite the low rate.
- Homeowners insurance runs genuinely elevated ($2,400-$4,800/year) given real wildfire risk repricing.
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