Maui County, Hawaii

County Distress Index: Normal · 44.1 | 164,183 people · 2nd most distressed in Hawaii
American Default Research

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Maui County, HI falls within the normal range for household financial distress at 44.1 — 1947th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Hawaii, it ranks 2nd of 5 counties. It scores higher than all 1 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Maui County's primary driver is Housing Cost Burden at 86.5 — worse than roughly 87% of U.S. counties.

Housing Cost Burden Primary driver 86.5
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 88
Mortgage-Burdened (30%+) 73
Homeownership Rate 84
Economic Vitality 78.3
Wage-to-Rent Ratio 99
Rent-to-Income Ratio 99
Business Formation Rate 11
House Price Change (YoY) 42
Consumer Credit Distress 26.2
Debt in Collections 24
Medical Debt 23
Auto Loan Delinquency 30
Credit Card Delinquency 28
Uninsured Rate 12
Subprime Credit Population 31
Legal Distress 25.5
Bankruptcy Filing Rate 25
Structural Poverty 24.4
Unemployment Rate 6
Poverty Rate 16
Income vs. State Median 60
Child Poverty Rate 17
Disability Rate 8
Transfer Income Dependency 22

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Maui County
Maui County, HI 44.1 Normal —
Kalawao County, HI 32.4 Healthy -11.7

Population Peers

CountyScoreZonevs. Maui County
Scott County, IA 44.2 Normal +0.0
Franklin County, MO 44.2 Normal +0.1
Limestone County, AL 44.2 Normal +0.1
Cayuga County, NY 44.2 Normal +0.1
Rensselaer County, NY 44.0 Normal -0.1

Download Data

Export all distress indicators for Maui County as a CSV file.

Find Help in Maui County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Maui County.

HABITAT FOR HUMANITY MAUI, INC
Wailuku
808-242-1140
Foreclosure PreventionFinancial CounselingFinancial CounselingHome Improvement/Rehab
HALE MAHAOLU HOMEOWNERSHIP/HOUSING COUNSELING
Wailuku
808-242-7027 Website
Foreclosure PreventionFinancial CounselingFair HousingPost-Purchase
HAWAIIAN COMMUNITY ASSETS, INC. - WAILUKU BRANCH
Wailuku
808-727-8870 Website
Foreclosure PreventionFinancial CounselingHomeless/DisplacementPre-Purchase
LEGAL AID SOCIETY OF HAWAII - Wailuku Branch
WAILUKU
808-244-3731 Website
Foreclosure Prevention

See all counselors in Hawaii →

Find an Attorney

Hawaii State Bar Association Lawyer Referral and Information Service (LRIS) offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Hawaii State Bar Association Lawyer Referral and Information Service (LRIS) 808-537-9140

Free Legal Aid

Legal aid organizations serving Maui County residents at no cost.

Legal Aid Society of Hawaii 808-536-4302 (Oahu); 808-243-3726 (Maui); 808-935-6088 (Big Island); 808-245-7580 (Kauai)
Volunteer Legal Services Hawaii 808-528-7046

Self-Help Resources

Hawaii State Judiciary Self-Help Center

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Hawaii →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Maui County, Hawaii?

    Maui County has a County Distress Index score of 44.1 out of 100, placing it in the Normal zone. It ranks 1,947th nationally out of 3,144 counties and 2nd in Hawaii out of 5 counties.

  • What drives financial distress in Maui County?

    The primary driver of distress in Maui County is Housing Cost Burden, where the county scores 86.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Maui County compare to neighboring counties?

    Maui County (44.1) can be compared to its 1 neighboring county: Kalawao County, HI (32.4).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Normal zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Maui County's score of 44.1 sits in the Normal zone (46–55).

  • What data sources power Maui County's CDI score?

    Maui County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Maui County?

    Maui County, Hawaii has a population of approximately 164,183 (2023 Census estimate), classified as a mid county.