For Maui Property Owners

The rules around your Maui property changed. Your options didn't disappear.

In December 2025, Maui County enacted what's widely reported as the largest short-term-rental phase-out in the country — and insurance and tax classifications are moving underneath it. If you own a Maui condo, rental, or second home, the question isn't panic or ignore. It's: what are my actual options?

Check Where Your Address Falls

Or skip ahead — get the free Owner's Guide →

Check your property

Where does your address fall?

Enter your Maui property's address, complex, or town — see which phase-out district it sits in and which deadline applies.

What's actually happening

Three shifts, one owner's-eye view.

01

The STR phase-out

Bill 9, signed December 15, 2025, phases out short-term rental use for roughly 7,000 apartment-zoned "Minatoya list" condo units — with reported deadlines of January 1, 2029 for West Maui and January 1, 2031 for the rest of the county. A separate rezoning path (Bill 88) may offer some buildings a way to continue — it's pending, not guaranteed.

02

The insurance squeeze

Only a small number of state-licensed insurers still write Hawaii condo master policies; buildings pushed to the surplus market have seen premiums multiply. The state's 2025 stabilization law reopened the Hurricane Relief Fund for qualifying associations — but eligibility has real thresholds, and underinsured buildings can complicate a future buyer's financing.

03

The tax classification maze

How your property is classified — short-term rental, long-term rental, second home — drives your Maui property-tax rate, and misclassification has consequences. Add state GET/TAT registration for rentals and withholding rules when out-of-state owners sell, and the paperwork picture deserves a clear map.

I own a home on Maui myself — and I live on Oahu while I work my way back to it. So when a tax notice, an insurance renewal, or a rule change lands on Maui owners, it lands on me too. I read them the way you do — as a fellow owner.
Kim Thrailkill · Maui Homeowner · Licensed Salesperson RS-88832 · eXp Realty
Free · No obligation

The Maui Owner's Guide

STR Phase-Out, Insurance & the Sell-or-Hold Decision — a plain-language report cited to primary and reputable published sources, plus a repair & compliance checklist.

Cited to primary and reputable published sources · updated for Ordinance 5909

  • The phase-out timeline, district by district — and who's excluded
  • The Bill 88 rezoning path: how it works, what's realistic
  • Insurance & financing: what underinsured buildings mean for value
  • Your property-tax classification, GET/TAT, and seller withholding — mapped
  • A clear sell · hold · convert framework to think with
  • The repair & compliance checklist for older buildings
Own Hawaii Real Estate Written by a Maui homeowner who lives on Oahu — I get these notices in my own mailbox.
Kim Thrailkill · RS-88832 · eXp Realty

It's on its way.

Check your inbox for the Maui Owner's Guide. If you included your property address, I'll also run an informational check against the county's published Minatoya list and follow up with the relevant county materials for your district — typically within a few days. That's a check of public records, not a legal determination of your property's status. Confidential, and it doesn't obligate you to list, sell, or decide anything.

One more minute, if you have it — this helps me send you the right materials:

Baby Beach, Paʻia
A note on how I work

Clarity is the product.

Some owners should sell. Some should hold. Some should convert to long-term rental, and some should petition with their building and wait. The right answer depends on your equity, your carrying costs, your building, and your life — not on anyone's commission. My commitment: every option on the table, in plain language, before you decide anything. Your attorney handles the legal. Your CPA handles the tax. Your lender handles the financing. I handle the clarity.