Kahului USDA Loan Rates, Closing Costs & Stats
KAHULUI-WAILUKU-LAHAINA, HI
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Kahului's 2 lenders originated 2 USDA loans during 2023. The total origination value was $490,000, with an average USDA loan value of $245,000.
Kahului USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Kahului
averaged
6.52%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Kahului's average USDA mortgage closing costs are $8,419.
The average rate for the prior week (2024-12-06) was
6.15% and
one month ago for the week of 2024-11-08, the
average rate was 6.27%.
The average rate one year ago was 6.94%.
For refis of the same type during the week of 2024-12-13, the average rate
was 5.97%.
Kahului USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Kahului level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| CMG MORTGAGE, INC. | 1 | 7.25% | $9,513 |
| V.I.P. MORTGAGE, INC. | 1 | 6.00% | $15,756 |
The top Kahului USDA lender as defined by loan originations is CMG MORTGAGE, INC., with
1 USDA loans originated. Their average total fees are
$9,513, which is $6,243
lower than the next largest lender,
V.I.P. MORTGAGE, INC..
The lowest fee Kahului USDA lenders (with over 10 loans originated) are
.
The lowest rate Kahului USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Kahului (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $838,225 (5.9%) | $1,589,889 (6.4%) | 3.11 | 1,251 |
| 2018-02-01 | $830,750 (6.5%) | $1,614,233 (9.1%) | 3.02 | 1,242 |
| 2018-03-01 | $820,000 (4.5%) | $1,633,754 (9.8%) | 2.88 | 1,215 |
| 2018-04-01 | $849,125 (9.0%) | $1,646,534 (9.8%) | 2.88 | 1,144 |
| 2018-05-01 | $849,450 (6.9%) | $1,661,746 (6.5%) | 2.84 | 1,068 |
| 2018-06-01 | $866,000 (10.2%) | $1,635,309 (10.4%) | 2.89 | 1,074 |
| 2018-07-01 | $890,250 (12.7%) | $1,634,344 (11.3%) | 2.97 | 1,093 |
| 2018-08-01 | $895,000 (12.9%) | $1,652,596 (8.9%) | 3.00 | 1,087 |
| 2018-09-01 | $875,000 (10.1%) | $1,588,293 (4.3%) | 2.94 | 1,045 |
| 2018-10-01 | $864,500 (9.9%) | $1,610,124 (9.2%) | 2.93 | 1,044 |
| 2018-11-01 | $887,000 (10.9%) | $1,711,463 (14.2%) | 3.01 | 1,047 |
| 2018-12-01 | $930,000 (13.8%) | $1,763,904 (13.7%) | 3.21 | 1,065 |
| 2019-01-01 | $934,950 (11.5%) | $1,777,342 (11.8%) | 3.23 | 1,098 |
| 2019-02-01 | $957,500 (15.3%) | $1,830,675 (13.4%) | 3.24 | 1,091 |
| 2019-03-01 | $953,643 (16.3%) | $1,943,498 (19.0%) | 3.12 | 1,085 |
| 2019-04-01 | $937,118 (10.4%) | $2,110,720 (28.2%) | 2.98 | 1,055 |
| 2019-05-01 | $939,225 (10.6%) | $2,136,396 (28.6%) | 2.94 | 1,018 |
| 2019-06-01 | $947,500 (9.4%) | $2,160,858 (32.1%) | 2.96 | 968 |
| 2019-07-01 | $944,500 (6.1%) | $2,233,206 (36.6%) | 2.96 | 947 |
| 2019-08-01 | $938,591 (4.9%) | $2,148,757 (30.0%) | 2.97 | 918 |
| 2019-09-01 | $928,977 (6.2%) | $2,034,619 (28.1%) | 2.97 | 880 |
| 2019-10-01 | $922,568 (6.7%) | $1,914,929 (18.9%) | 2.98 | 892 |
| 2019-11-01 | $925,000 (4.3%) | $1,835,773 (7.3%) | 3.03 | 976 |
| 2019-12-01 | $950,000 (2.2%) | $1,897,897 (7.6%) | 3.17 | 975 |
| 2020-01-01 | $980,000 (4.8%) | $1,935,259 (8.9%) | 3.27 | 959 |
| 2020-02-01 | $988,000 (3.2%) | $1,935,799 (5.7%) | 3.24 | 946 |
| 2020-03-01 | $949,750 (-0.4%) | $1,888,181 (-2.9%) | 2.98 | 950 |
| 2020-04-01 | $844,000 (-9.9%) | $1,687,368 (-20.1%) | 2.64 | 978 |
| 2020-05-01 | $825,000 (-12.2%) | $1,619,013 (-24.2%) | 2.51 | 981 |
| 2020-06-01 | $804,998 (-15.0%) | $1,611,101 (-25.4%) | 2.37 | 1,012 |
| 2020-07-01 | $797,000 (-15.6%) | $1,555,080 (-30.4%) | 2.31 | 1,061 |
| 2020-08-01 | $795,000 (-15.3%) | $1,544,645 (-28.1%) | 2.28 | 1,076 |
| 2020-09-01 | $764,500 (-17.7%) | $1,526,339 (-25.0%) | 2.19 | 1,105 |
| 2020-10-01 | $788,500 (-14.5%) | $1,660,273 (-13.3%) | 2.26 | 1,078 |
| 2020-11-01 | $812,000 (-12.2%) | $1,714,994 (-6.6%) | 2.37 | 1,064 |
| 2020-12-01 | $826,000 (-13.1%) | $1,743,554 (-8.1%) | 2.46 | 1,035 |
| 2021-01-01 | $838,000 (-14.5%) | $1,787,354 (-7.6%) | 2.50 | 922 |
| 2021-02-01 | $825,000 (-16.5%) | $1,886,639 (-2.5%) | 2.40 | 790 |
| 2021-03-01 | $835,000 (-12.1%) | $2,045,412 (8.3%) | 2.37 | 658 |
| 2021-04-01 | $895,000 (6.0%) | $2,241,336 (32.8%) | 2.42 | 530 |
| 2021-05-01 | $945,000 (14.6%) | $2,384,389 (47.3%) | 2.51 | 463 |
| 2021-06-01 | $1,079,750 (34.1%) | $2,392,234 (48.5%) | 2.80 | 427 |
| 2021-07-01 | $1,150,000 (44.3%) | $2,542,773 (63.5%) | 3.03 | 375 |
| 2021-08-01 | $1,212,500 (52.5%) | $2,685,286 (73.8%) | 3.23 | 336 |
| 2021-09-01 | $1,195,000 (56.3%) | $2,483,186 (62.7%) | 3.19 | 341 |
| 2021-10-01 | $1,195,000 (51.6%) | $2,432,895 (46.5%) | 3.19 | 345 |
| 2021-11-01 | $1,262,500 (55.5%) | $2,431,088 (41.8%) | 3.38 | 316 |
| 2021-12-01 | $1,237,250 (49.8%) | $2,563,000 (47.0%) | 3.35 | 340 |
| 2022-01-01 | $1,276,500 (52.3%) | $2,836,188 (58.7%) | 3.45 | 347 |
| 2022-02-01 | $1,295,000 (57.0%) | $2,835,087 (50.3%) | 3.37 | 360 |
| 2022-03-01 | $1,272,500 (52.4%) | $2,852,691 (39.5%) | 3.19 | 350 |
| 2022-04-01 | $1,299,000 (45.1%) | $2,776,294 (23.9%) | 3.10 | 345 |
| 2022-05-01 | $1,312,500 (38.9%) | $2,464,038 (3.3%) | 3.00 | 376 |
| 2022-06-01 | $1,397,000 (29.4%) | $2,584,764 (8.1%) | 3.11 | 431 |
| 2022-07-01 | $1,375,000 (19.6%) | $2,522,679 (-0.8%) | 3.10 | 488 |
| 2022-08-01 | $1,324,500 (9.2%) | $2,541,472 (-5.4%) | 3.06 | 504 |
| 2022-09-01 | $1,424,875 (19.2%) | $2,597,748 (4.6%) | 3.33 | 449 |
| 2022-10-01 | $1,395,000 (16.7%) | $2,505,145 (3.0%) | 3.28 | 426 |
| 2022-11-01 | $1,330,000 (5.4%) | $2,513,973 (3.4%) | 3.20 | 461 |
| 2022-12-01 | $1,315,000 (6.3%) | $2,588,488 (1.0%) | 3.25 | 496 |
| 2023-01-01 | $1,395,000 (9.3%) | $2,724,782 (-3.9%) | 3.46 | 515 |
| 2023-02-01 | $1,395,000 (7.7%) | $2,725,509 (-3.9%) | 3.37 | 524 |
| 2023-03-01 | $1,407,000 (10.6%) | $2,837,390 (-0.5%) | 3.32 | 504 |
| 2023-04-01 | $1,398,500 (7.7%) | $2,830,669 (2.0%) | 3.25 | 495 |
| 2023-05-01 | $1,395,000 (6.3%) | $2,811,173 (14.1%) | 3.16 | 477 |
| 2023-06-01 | $1,395,000 (-0.1%) | $2,799,353 (8.3%) | 3.13 | 471 |
| 2023-07-01 | $1,395,000 (1.5%) | $2,870,005 (13.8%) | 3.17 | 490 |
| 2023-08-01 | $1,422,000 (7.4%) | $2,890,842 (13.8%) | 3.27 | 445 |
| 2023-09-01 | $1,350,000 (-5.3%) | $2,647,826 (1.9%) | 3.14 | 436 |
| 2023-10-01 | $1,324,500 (-5.1%) | $2,467,771 (-1.5%) | 3.12 | 478 |
| 2023-11-01 | $1,372,500 (3.2%) | $2,521,360 (0.3%) | 3.27 | 519 |
| 2023-12-01 | $1,375,000 (4.6%) | $2,539,970 (-1.9%) | 0.00 | 616 |
| 2024-01-01 | $1,435,000 (2.9%) | $2,648,147 (-2.8%) | 0.00 | 635 |
| 2024-02-01 | $1,412,500 (1.3%) | $2,603,412 (-4.5%) | 0.00 | 678 |
| 2024-03-01 | $1,425,000 (1.3%) | $2,543,851 (-10.4%) | 0.00 | 749 |
| 2024-04-01 | $1,399,500 (0.1%) | $2,473,169 (-12.6%) | 0.00 | 797 |
| 2024-05-01 | $1,359,660 (-2.5%) | $2,377,648 (-15.4%) | 0.00 | 885 |
| 2024-06-01 | $1,277,000 (-8.5%) | $2,323,490 (-17.0%) | 0.00 | 1,014 |
| 2024-07-01 | $1,263,500 (-9.4%) | $2,311,499 (-19.5%) | 0.00 | 1,056 |
| 2024-08-01 | $1,247,000 (-12.3%) | $2,269,075 (-21.5%) | 0.00 | 1,087 |
| 2024-09-01 | $1,195,000 (-11.5%) | $2,164,249 (-18.3%) | 0.00 | 1,063 |
| 2024-10-01 | $1,171,166 (-11.6%) | $2,172,519 (-12.0%) | 0.00 | 1,034 |
| 2024-11-01 | $1,150,000 (-16.2%) | $2,175,517 (-13.7%) | 0.00 | 1,067 |
Kahului's median listing price comes in at 0% of the national average.
Kahului's average listing price for 2024-11-01 was $2,175,517, a difference of $-345,843 (-13.7%) versus the prior year and $2,998 versus the prior month.
For the 2024-11-01 period, Kahului had 1,067 MLS listings, a difference of 33 listings (3%) versus the prior month and 548 listings (106%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Kahului (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 82 days | 1,334 sqft |
| 2018-02-01 | 87 days | 1,308 sqft |
| 2018-03-01 | 88 days | 1,313 sqft |
| 2018-04-01 | 96 days | 1,324 sqft |
| 2018-05-01 | 102 days | 1,319 sqft |
| 2018-06-01 | 107 days | 1,313 sqft |
| 2018-07-01 | 98 days | 1,396 sqft |
| 2018-08-01 | 95 days | 1,394 sqft |
| 2018-09-01 | 103 days | 1,389 sqft |
| 2018-10-01 | 99 days | 1,416 sqft |
| 2018-11-01 | 97 days | 1,422 sqft |
| 2018-12-01 | 80 days | 1,467 sqft |
| 2019-01-01 | 74 days | 1,409 sqft |
| 2019-02-01 | 79 days | 1,402 sqft |
| 2019-03-01 | 84 days | 1,394 sqft |
| 2019-04-01 | 90 days | 1,401 sqft |
| 2019-05-01 | 96 days | 1,406 sqft |
| 2019-06-01 | 100 days | 1,369 sqft |
| 2019-07-01 | 93 days | 1,392 sqft |
| 2019-08-01 | 89 days | 1,421 sqft |
| 2019-09-01 | 88 days | 1,463 sqft |
| 2019-10-01 | 87 days | 1,447 sqft |
| 2019-11-01 | 75 days | 1,391 sqft |
| 2019-12-01 | 79 days | 1,387 sqft |
| 2020-01-01 | 83 days | 1,389 sqft |
| 2020-02-01 | 83 days | 1,422 sqft |
| 2020-03-01 | 86 days | 1,385 sqft |
| 2020-04-01 | 80 days | 1,240 sqft |
| 2020-05-01 | 87 days | 1,197 sqft |
| 2020-06-01 | 92 days | 1,144 sqft |
| 2020-07-01 | 88 days | 1,103 sqft |
| 2020-08-01 | 82 days | 1,080 sqft |
| 2020-09-01 | 75 days | 1,036 sqft |
| 2020-10-01 | 82 days | 1,052 sqft |
| 2020-11-01 | 88 days | 1,083 sqft |
| 2020-12-01 | 102 days | 1,092 sqft |
| 2021-01-01 | 102 days | 1,051 sqft |
| 2021-02-01 | 93 days | 1,014 sqft |
| 2021-03-01 | 85 days | 1,023 sqft |
| 2021-04-01 | 66 days | 1,071 sqft |
| 2021-05-01 | 60 days | 1,206 sqft |
| 2021-06-01 | 53 days | 1,373 sqft |
| 2021-07-01 | 52 days | 1,495 sqft |
| 2021-08-01 | 61 days | 1,581 sqft |
| 2021-09-01 | 47 days | 1,562 sqft |
| 2021-10-01 | 50 days | 1,440 sqft |
| 2021-11-01 | 46 days | 1,332 sqft |
| 2021-12-01 | 41 days | 1,515 sqft |
| 2022-01-01 | 50 days | 1,578 sqft |
| 2022-02-01 | 46 days | 1,555 sqft |
| 2022-03-01 | 46 days | 1,580 sqft |
| 2022-04-01 | 48 days | 1,488 sqft |
| 2022-05-01 | 48 days | 1,459 sqft |
| 2022-06-01 | 47 days | 1,457 sqft |
| 2022-07-01 | 50 days | 1,445 sqft |
| 2022-08-01 | 66 days | 1,457 sqft |
| 2022-09-01 | 77 days | 1,518 sqft |
| 2022-10-01 | 78 days | 1,532 sqft |
| 2022-11-01 | 68 days | 1,494 sqft |
| 2022-12-01 | 64 days | 1,465 sqft |
| 2023-01-01 | 66 days | 1,540 sqft |
| 2023-02-01 | 74 days | 1,500 sqft |
| 2023-03-01 | 79 days | 1,470 sqft |
| 2023-04-01 | 75 days | 1,454 sqft |
| 2023-05-01 | 73 days | 1,437 sqft |
| 2023-06-01 | 72 days | 1,442 sqft |
| 2023-07-01 | 73 days | 1,464 sqft |
| 2023-08-01 | 81 days | 1,394 sqft |
| 2023-09-01 | 74 days | 1,347 sqft |
| 2023-10-01 | 63 days | 1,292 sqft |
| 2023-11-01 | 64 days | 1,295 sqft |
| 2023-12-01 | 0 days | 1,188 sqft |
| 2024-01-01 | 0 days | 1,165 sqft |
| 2024-02-01 | 0 days | 1,188 sqft |
| 2024-03-01 | 0 days | 1,178 sqft |
| 2024-04-01 | 0 days | 1,133 sqft |
| 2024-05-01 | 0 days | 1,066 sqft |
| 2024-06-01 | 0 days | 1,056 sqft |
| 2024-07-01 | 0 days | 1,060 sqft |
| 2024-08-01 | 0 days | 1,036 sqft |
| 2024-09-01 | 0 days | 1,025 sqft |
| 2024-10-01 | 0 days | 1,028 sqft |
| 2024-11-01 | 0 days | 1,035 sqft |
Kahului's median square footage for active listings during the 2024-11-01 period was 1,035 sqft. One year prior, the average listing was 1,295 sqft.