Hawaii County, Hawaii loan limits 2026
FIPS 15001 · 31 ZIP codes, e.g. 96704, 96710, 96719, 96720, 96721, 96725 · metro area (CBSA) 25900
In Hawaii County the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost area, 50% above the national baseline. The FHA limit is $586,500. Anything above $1,249,125 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Hawaii County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,249,125 | $586,500 | +3.3% |
| 2 units | $1,599,375 | $750,800 | +3.3% |
| 3 units | $1,933,200 | $907,550 | +3.3% |
| 4 units | $2,402,625 | $1,127,900 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Hawaii County is in metro area CBSA 25900; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $98,300 · Hawaii County, HI
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $67,800 | $77,450 | $87,150 | $96,800 | $104,550 | $112,300 | $120,050 | $127,800 |
| Very low income (50%) | $42,350 | $48,400 | $54,450 | $60,500 | $65,350 | $70,200 | $75,050 | $79,900 |
| Extremely low income (30%) | $25,450 | $29,050 | $32,700 | $37,950 | $44,480 | $51,010 | $57,540 | $64,070 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,605/mo | $1,592 | +0.8% |
| 1 bedroom | $1,615/mo | $1,603 | +0.7% |
| 2 bedrooms | $2,081/mo | $2,076 | +0.2% |
| 3 bedrooms | $2,620/mo | $2,622 | -0.1% |
| 4 bedrooms | $2,910/mo | $3,024 | -3.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Hawaii County, HI.
Other counties in Hawaii
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Hawaii County, HI for 2026?
$1,249,125 for a one-unit property ($1,599,375 for 2 units, $1,933,200 for 3, $2,402,625 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Hawaii County?
$586,500 for a single-family home in 2026 (HUD), up to $1,127,900 for a four-unit property.
What counts as a jumbo loan in Hawaii County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Hawaii County in 2026.
What are the HUD income limits in Hawaii County?
For a family of four (FY2026): low income $96,800, very low income $60,500, extremely low income $37,950; area median family income $98,300.
What is the fair market rent in Hawaii County?
$2,081 a month for a two-bedroom unit in FY2027 (HUD), $1,615 for one bedroom.