Keeping Lahaina lands in Lahaina hands
Are you struggling to afford to buy a home in Lahaina? LCLT offers a path to secure and affordable homeownership for community members who have been priced out of our real estate market. When you partner with LCLT to purchase your home, you get the stability and roots you're looking for, plus…
A price you can afford. LCLT combines public funding and private donations to reduce the purchase price of an LCLT home well below market rates. Because you're buying the house and leasing the land through the Community Land Trust model, the price reflects what local families can actually afford, not prices driven up by outside investors.
Guidance through the financing process. LCLT works alongside trusted lending partners to help you find financing that is both affordable and appropriate for your situation.
Ongoing support after you move in. LCLT conducts annual check-ins with all homeowners, providing stewardship, connection to resources, and pilina that doesn't end at closing.
The opportunity to build equity. LCLT homes appreciate at a steady rate of 1.5% per year, a rate designed to keep pace with local wages while protecting your investment. When you're ready to sell, you earn a meaningful return, and the home passes on to another Lahaina ‘ohana at an affordable price.
Housing Lahaina — Now & Forever
When you purchase an LCLT home, you buy the structure, the house on top of the land, and sign a 99-year ground lease for ‘āina underneath it, which LCLT holds in trust for the benefit of the Lahaina community. This protects the underlying land from ever being bought or sold to investors and protects it instead for Lahaina ‘ohana. That ground lease is renewable, inheritable, and transferable, providing the long-term security your ʻohana needs just like any other property, while ensuring the home remains part of Lahaina's permanently affordable housing network.
As a homeowner, you agree to:
Live in the home as your primary residence for as long as you own it.
Maintain the home and keep it in good condition.
Sell the home at a price calculated according to LCLT's resale formula, keeping it affordable for the next ‘ohana.
What Makes LCLT Homes different?
What are the Next Steps?
Find out if you or your ʻohana may qualify for the program and learn the steps to becoming an LCLT homeowner, from intake through the homebuyer process.
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Governing and advisory boards of The Trust will be filled by community members who represent Lahaina, including but not limited to community leaders, leaseholders, and potentially people who sold their land into the trust.
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A property owner decides to sell their property. The Lahaina Community Land Trust offers to buy properties at appraised value, as an alternative to purchase by profit-driven investors.
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When the future of Lahaina becomes clearer, after clean-up, community input helps The Trust decide the best use of each parcel. It’s all about empowering the community to guide the future use of these lands.
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Housing on lands owned by the trust can be built, purchased or leased at affordable rates to members of the community based on criteria determined by The Trust. Prices are kept affordable because it doesn’t include the price of the land. Lessees can build equity on their home, but agree to sell the home at affordable prices.
Community Land Trust Information
Aloha ‘āina in Action
LCLT has become a powerful force in Lahaina’s real estate market. Besides protecting the ʻāina that we secure, our efforts to keep Lahaina lands in Lahaina hands also work to set the pace – and the sales comparisons – for all future residential sales. Between August 2023 and December 2025, there were 66 individual sales (over $100,000 and not transferred among ‘ohana):
18% (12) were purchased by companies. Three of these (5% of total) have Lahaina tax addresses.
12% (8) were purchased by Maui County.
50% (33) were purchased by individuals. 21 of these (32% of total) have Lahaina tax addresses.
20% (13 recorded) were purchased by LCLT.