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FHA loans in Kaneohe Base, HI

Quick answer

The 2026 FHA loan limit in Kaneohe Base, HI (Honolulu County) is $828,000 for a single-family home, enough for a purchase price up to about $858,000 with 3.5% down. On the $390,600 median home value, that down payment is about $13,671 and the estimated payment is $2,988/month at 7.18%, which needs roughly $129,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $70,000; value-to-income ratio 5.58. Kaneohe Base ranks 33 by home value and 32 by population among 35 places in our HI dataset.

What does an FHA loan cost on a typical Kaneohe Base home?

ItemKaneohe Base
Median home value (Census ACS)$390,600
Hawaii median home value$808,200
Down payment (3.5%)$13,671
Loan incl. 1.75% upfront MIP$383,525
Estimated monthly payment (PITI + MI)$2,988
Income needed (28% / 36%)$129,000 / $100,000
Honolulu County 2026 FHA limit (1 unit)$828,000
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Hawaii's 0.27% effective property tax rate (Census ACS), $1,549/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Kaneohe Base?

Kaneohe Base is in Honolulu County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $828,000. With the minimum 3.5% down, that caps the purchase price at about $858,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Kaneohe Base median home value of $390,600 is 52% below the Hawaii median, and within what the county limit supports.

Which down payment assistance programs can Kaneohe Base buyers use?

FHA loans in nearby cities

KaneoheKailuaHonoluluEast HonoluluHalawaWaimalu

FHA loan FAQs for Kaneohe Base

Kaneohe Base is in Honolulu County, where HUD's 2026 FHA limit for a one-unit home is $828,000. With 3.5% down, that supports a purchase price up to about $858,000.

3.5% of $390,600 is about $13,671 with a 580+ credit score (10%, or $39,060, with a 500–579 score), plus closing costs.

At the $390,600 median value (below the Hawaii median of $808,200), the estimated payment of $2,988/month at 7.18% needs about $129,000 a year under the 28% housing guideline, or $100,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 0 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.