Every home in the Mililani Town Association pays the same assessment of $165 a quarter. Payments are due January 1, April 1, July 1 and October 1. That works out to $660 a year, or about $55 a month. The rate is the same in Mililani Town and in Mililani Mauka, the two regions MTA's strategic plan treats as one community. The October 2026 MTA newsletter still lists that $165 rate, which took effect April 1, 2025.
That flat number is the one buyers carry into a comparison spreadsheet. It's accurate, but it only tells you what the fee is today. MTA's 2024 reserve study lays out a funding plan that raises the reserve contribution 16.9% a year from 2025 through 2031. The plan is tied to two specific buildings and a specific window on the calendar. If you're buying in Mililani this fall, you're joining an association partway through a planned rebuild cycle. The $55 is where that plan stands in 2026.
Two budgets sit inside one assessment
The assessment pays for two different things. MTA says homeowner assessments cover estimated operating costs plus contributions to restricted reserve accounts, which pay for repairing, replacing and improving common areas. Antenna leases and other income offset some of the operating side.
Operating is by far the larger share. At the March 2025 annual meeting, MTA reported operating-fund revenue of $11.166 million and expenses of $10.412 million as of February 28, 2025. The minimum reserve contribution from member assessments for FY2026 was $1,414,490.
The two budgets push on the fee for different reasons. The last increase, from $145 to $165 a quarter, was announced February 24, 2025. MTA pointed mostly to operating pressures: inflation, higher property-insurance premiums, minimum-wage increases and trouble filling jobs. The same letter also pointed to aging facilities and a five-year reserve study. Operating costs follow the economy, so they're hard to predict. The reserve side is laid out year by year in a document anyone can read.
The schedule written into the reserve study
The study is dated January 4, 2024. It values MTA's common-area components at $57,537,315 in current cost and projects a total future cost of $120,763,221. To pay for that, it recommended an annual reserve contribution of $1,210,000 starting in 2024, rising 16.9% a year from 2025 through 2031. After that, increases slow to 1.8% a year from 2032 through 2046. The study says this plan meets Hawaii's reserve requirements under the cash-flow method.
The study's own cash-flow table breaks the plan down to an average per unit per month, which is the figure a buyer can actually use:
| Year | Recommended reserve contribution | Average per unit, per month | Projected reserve spending |
|---|---|---|---|
| 2025 | $1,414,490 | $7.45 | $2,249,402 |
| 2026 | $1,653,539 | $8.71 | $1,655,710 |
| 2027 | $1,932,987 | $10.18 | $650,898 |
| 2028 | $2,259,662 | $11.90 | $1,430,862 |
| 2029 | $2,641,544 | $13.91 | $983,823 |
| 2030 | $3,087,965 | $16.26 | $4,474,972 |
| 2031 | $3,609,832 | $19.00 | $6,484,013 |
The 2025 row matches what MTA reported. The study's recommended 2025 contribution was $1,414,490, and that's the exact FY2026 minimum reserve contribution in the annual meeting minutes. So far, the association is funding reserves the way the study recommends.
Under the plan, the reserve share of each home's monthly assessment goes from $7.45 in 2025 to $19.00 in 2031. That's an increase of $11.55 a month. If nothing else in the budget changed, that amount alone would equal about a fifth of today's $55. In practice the operating side will move too, and nobody can know by how much. The table shows that one part of future dues is already planned. The study is also a 2024 planning document. The consultant recommends updating the financial analysis every year, so these figures are estimates, not a schedule MTA has adopted.
Why spending jumps in 2030 and 2031
The spending column stays fairly flat for most of the decade, then rises to $4.47 million in 2030 and $6.48 million in 2031. The study's component schedule shows why. It lists a new Rec 1 facility and a new Rec 4 facility, both planned for 2030. MTA's February 2025 letter puts the Rec 1 and Rec 4 rebuild or renovation in 2030/2031. The study's yearly spending totals cover the whole association and aren't project budgets for those two buildings, but the timing lines up.
MTA's strategic plan sets the order of work. Planning for Rec 4 and Rec 1 starts in FYE 2028. In FYE 2030, the association acts on the planning and financial information developed in FYE 2026 and FYE 2028. The 16.9% steps build up the fund ahead of those years. That's also why the table's balance runs low in the middle of the decade and recovers before construction.
Rec 3 shows how the cycle runs
The best guide to the Rec 1 and Rec 4 projects is the one MTA just finished. Rec 3 closed November 1, 2024, for about a year. The scope included a new pitched roof covered in solar panels, new windows, doors, flooring and lighting, a café, an arcade, a tot-lot, resurfaced tennis and pickleball courts, and rebuilt bathrooms and showers. MTA said the project would be paid from reserves, with no loan or special assessment.
The building had a preview at the end of December 2025 and an official grand opening on January 3, 2026. Court reservations opened the next day. In late September 2026, MTA announced the Rec 3 courts were open.
The reserve table shows what that kind of project costs the fund. The study projected $7,116,479 in reserve spending for 2024. That would take the balance from $9,366,775 down to about $3.5 million, with a low of $2,714,923 in 2025. A major rebuild empties the fund, and the following years refill it. Rec 3 came in without a special assessment because the money was already there. The same approach for Rec 1 and Rec 4 depends on contributions climbing on the schedule the study lays out.
For a buyer, that's reassuring and worth budgeting for. The reassuring part is that MTA has handled a full building renovation from reserves without a special assessment. The budgeting part is that keeping that record through 2031 assumes reserve funding goes up.
What the shared fee covers, and what Mauka condos add
The assessment pays for a sizable recreation system. MTA's February 2026 newsletter describes seven recreation centers. Its 2025 homeowner notice lists six pools, a waterslide, courts, pavilions and community landscaping. The fall calendar shows the system in use. The free MTA Keiki Fair runs October 17 from 9 a.m. to 2 p.m. at Rec 5 on ʻĀinamakua Drive in Mililani Mauka. Halloween BINGO, free for members, follows on October 30 at the same center.
The single rate has one important exception. A single-family home in the Mauka part of MTA pays the same $165 a quarter as a home in Mililani Town. Some attached-home and condominium projects, though, have their own association of owners. The State's AOUO contact list, updated April 29, 2026, includes separate associations for Island Classics II at Mililani Mauka and Island Courtyards at Mililani Mauka. Under Hawaii condominium law, common expenses are assessed against each unit. An owner can't get out of paying by choosing not to use the common elements. Buyers in those projects should plan on the MTA assessment plus the project's own fee. Each of those two fees has its own budget and its own reserve plan.
The stacked fees count for more at condo prices. In August 2026, the Oʻahu-wide median was $510,000 for condos and $1,240,000 for single-family homes, according to the Honolulu Board of REALTORS. These are islandwide figures, not Mililani-only, but the relationship still applies. A planned $11.55 monthly increase in reserve funding is a bigger share of a condo buyer's monthly costs than a single-family buyer's. That share grows again when an AOAO fee is added on top.
Questions to settle during your due diligence
- Is $165 a quarter still the current MTA rate? MTA's board approved a FY2026–27 budget on January 21, 2026, but the public minutes don't say whether the assessment changed. Confirm the rate with the association instead of relying on an old listing.
- Has there been a reserve study since January 2024? The study posted on MTA's site is from 2024. A newer one could change both the per-unit figures and the timing for Rec 1 and Rec 4.
- If the property is in a Mauka condo or townhome project, what is the AOAO fee, and what does that association's own reserve study show? Treat it as a separate budget from MTA's.
- Where is the property relative to Rec 1 and Rec 4? Planning starts in FYE 2028, with work slated for 2030/2031. If you use those centers often, plan for a stretch when they're closed, as Rec 3 was for more than a year.
Frequently asked questions
Do Mililani Mauka homes pay a higher MTA assessment than Mililani Town homes?
No. MTA has one assessment schedule for all its homeowners, currently $165 a quarter. The difference comes from separate condo or townhome associations in some Mauka projects, which charge their own fees in addition to the MTA rate.
Has MTA announced an increase for 2027?
Not that we could find. As of the October 2026 newsletter, the published rate was still $165 a quarter, effective April 1, 2025. The reserve study's recommendation of 16.9% annual increases in reserve contributions is a planning guideline, not an announced change to dues.
Did homeowners pay a special assessment for the Rec 3 remodel?
No. MTA said the Rec 3 project would be paid from reserves, with no loan or special assessment.
If you're comparing Mililani with other Oahu neighborhoods, reading the association documents can be the most time-consuming part. Fran Magbual can help you get the current MTA rate, any AOAO budget for the property you're considering, and the latest reserve study into your file before you commit. Schedule a consultation with Fran, or ask for a free home valuation if you're selling and want to explain these fees clearly to buyers.
This article is general information, not legal, tax or financial advice. Consult a qualified professional about your situation.