What are the loan limits in each Hawaii county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Hawaii County | $1,249,125 | $586,500 | $750,800 | $486,400 |
| Honolulu County | $1,249,125 | $828,000 | $1,060,000 | $873,000 |
| Kalawao County | $1,299,500 | $1,299,500 | $1,663,600 | — |
| Kauai County | $1,249,125 | $1,110,900 | $1,422,150 | $817,900 |
| Maui County | $1,299,500 | $1,299,500 | $1,663,600 | $858,600 |
Which Hawaii counties are high-cost areas?
Hawaii County, Honolulu County, Kalawao County, Kauai County, Maui County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Hawaii
Frequently asked questions
FHA one-unit limits in Hawaii start at $586,500. In Honolulu County, the most populous county, it's $828,000.
The 2026 one-unit conforming limit in Honolulu County is $1,249,125.
With 3.5% down, the $586,500 FHA floor supports a price of about $607,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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