Taxes & Insurance in Paia
Paia 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 coastal and wildfire risk.
Exploring the idea of moving?
We can connect you with a local real estate professional who knows the area -- no pressure, just a starting point.
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 Paia 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 Paia's own high values
Because Paia's own home values run genuinely high (a cited $2.69M median list price), the real dollar property-tax bill on a typical Paia home runs meaningfully above what the low rate alone would suggest (base record).
Genuinely elevated homeowners insurance, with real coastal considerations
Maui-wide typical premiums of $2,400-$4,800/year apply, a real, disclosed consequence of post-2023-wildfire risk repricing; Paia's own coastal, tsunami-/flood-exposed location may add further, distinct underwriting considerations this record did not resolve to a precise figure (base record).
Key takeaways
- Hawaii's real, statewide 11% top income tax rate applies in Paia as everywhere in the state.
- Maui County's ~0.16%-0.20% effective property tax rate is genuinely low on a rate basis.
- Paia's own high home values mean a real, meaningful dollar property-tax bill despite the low rate.
- Homeowners insurance runs genuinely elevated, with real coastal-exposure considerations disclosed directly.
Want to know what your budget actually buys here?
Tell us a bit about what you're looking for and we'll connect you with someone local who can walk you through real numbers.
Get local guidanceRead the full Paia overview for the complete picture -- housing, taxes, climate, and who this place genuinely fits.
Planning a move?
Tell us what you're looking for and we'll connect you with a local expert who can help you make it happen.
Talk to a local expert