You'll be unlikely to find a decent house at a livable price if you want to be anywhere near the water.

Most condos are in medium to large complexes. Does that qualify as a resort? Or a hotel? Not for me, but the OP sounds a bit picky.

Personally, I like staying in Kihei on Maui: prices are affordable, beaches are nice, everything is relatively close, and you're not overwhelmed with people like you'd be in the mega-resorts of Wailea or Ka'anapali. If you're going in winter, however, you've got to figure that any decent place near the water is going to be packed with people. I usually stay at one of the places near Kamaole Beach Park #3.

Do yourself a favor and buy a copy of "Maui Revealed" by Andrew Doughty & Harriet Friedman. It's the only guidebook I've found that doesn't pull any punches: if a place sucks, they'll say it sucks in no uncertain terms.

Condos, in my opinion, are the way to go. You'll get more space at a lower price than you would anywhere else. Having a kitchen means that you can easily cook your own breakfast and lunch, which can help keep costs down. Having a free laundry machine in the unit means you can pack less clothing. There are lots of agencies that will help you find a condo. You might also look for websites that feature owner listings. You might save a little money or end up with a nicer place by dealing with an owner directly. Condo management companies tend to take a huge chunk of the money from a rental, so owner's are often very happy to deal directly with potential renters. Much easier to negotiate prices, early check-in, late check-out, etc. if you're dealing directly with the owner.