Understanding HOAs on Maui
If you're considering buying a home or condo on the island of Maui, one of the terms you'll come across early in your property search is “HOA”—short for Homeowners Association. Understanding what an HOA is, what it costs, and how it affects your ownership experience is essential, especially in a unique real estate market like Maui.
Below, we break down everything you need to know about HOAs on Maui—from what they offer to whether you should consider properties without one.
What Is an HOA?
An HOA is a governing body that manages and maintains the common areas, shared amenities, and community standards in a neighborhood or condominium project. HOAs enforce rules and collect fees to ensure the community remains safe, visually appealing, and well maintained.
On Maui, HOAs are especially common in:
Condominium developments
Planned residential communities
Resort-style neighborhoods
Typical HOA Services on Maui
HOAs vary by property type and location, but in general, these are the most common services provided:
For Condominiums:
Landscaping and exterior maintenance
Building insurance
Trash removal, sewer, and water service
Cable TV and high-speed internet
Pest control
Reserve fund contributions for future repairs (roofs, elevators, paint, etc.)
In some cases, electricity and onsite management
For Single-Family Communities:
Road maintenance and lighting
Gated entry or private security
Common landscaping and irrigation
Recreational amenities (clubhouses, pools, tennis courts)
Enforced architectural guidelines
What Do HOA Fees Cost on Maui?
HOA fees vary widely depending on the location, size of the development, and level of service provided. Here’s a general breakdown:
Property TypeMonthly HOA RangeEntry-level condo$400 – $700/monthMid-range condo$600 – $1,000/monthLuxury condo/resort$1,000 – $2,500+/monthSingle-family home HOA$50 – $300/month (if any)
Keep in mind: Maui HOAs are also required to maintain capital reserve funds, which help fund large-scale repairs over time and minimize surprise assessments for owners.
Pros of Buying a Property with an HOA
Low-Maintenance Living
HOAs handle many responsibilities like landscaping, trash removal, and exterior upkeep—ideal for second-home owners or buyers who live off-island.
Community Standards
Well-enforced rules help protect property values and preserve neighborhood appeal by preventing clutter, noise, or disrepair.
Access to Amenities
From fitness centers to pools and BBQ pavilions, HOA communities often include lifestyle features that would be expensive to manage independently.
Predictable Costs
With major expenses shared across residents and planned reserves in place, your maintenance budgeting becomes more stable.
Cons to Consider
Monthly Costs Add Up
HOA fees can significantly increase your monthly expenses, especially in higher-end properties. You’ll need to factor this into your budget.
Restrictions
HOAs come with rules—about rentals, pets, exterior changes, and even parking. If you value complete freedom, this can feel limiting.
Special Assessments
While reserve funds help, unexpected repairs (like hurricane damage or structural issues) can lead to additional costs shared by all homeowners.
Should You Buy a Property Without an HOA?
There’s no one-size-fits-all answer. Properties without HOAs can offer:
More personal freedom and fewer restrictions
Lower monthly carrying costs
However, you may also face:
Less uniformity and neighborhood upkeep
More responsibility for exterior maintenance, landscaping, and shared driveways
Potential for neighbors to let their properties fall into disrepair
If you're off-island often, travel frequently, or want a lock-and-leave second home, an HOA-managed property may offer more peace of mind.
Final Thoughts
HOAs play a significant role in how a property lives and feels on Maui. Whether you’re drawn to the ease of managed living or prefer the independence of a no-HOA home, the key is understanding the tradeoffs.
Need help evaluating whether an HOA is right for you—or which properties offer the best value?
Let’s connect and explore the options that align with your goals, lifestyle, and long-term plans in paradise.
