Honolulu County, Hawaii loan limits 2026
FIPS 15003 · 66 ZIP codes, e.g. 96701, 96706, 96707, 96709, 96712, 96717 · metro area (CBSA) 46520
In Honolulu 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 $828,000. 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 Honolulu 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 | $828,000 | +3.3% |
| 2 units | $1,599,375 | $1,060,000 | +3.3% |
| 3 units | $1,933,200 | $1,281,300 | +3.3% |
| 4 units | $2,402,625 | $1,592,350 | +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. Honolulu County is in metro area CBSA 46520; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $133,400 · Urban Honolulu, HI MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $86,250 | $98,600 | $110,900 | $123,200 | $133,100 | $142,950 | $152,800 | $162,650 |
| Very low income (50%) | $53,900 | $61,600 | $69,300 | $77,000 | $83,200 | $89,350 | $95,500 | $101,650 |
| Extremely low income (30%) | $32,350 | $37,000 | $41,600 | $46,200 | $49,900 | $53,600 | $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 | $1,836/mo | $1,877 | -2.2% |
| 1 bedroom | $1,951/mo | $2,016 | -3.2% |
| 2 bedrooms | $2,542/mo | $2,642 | -3.8% |
| 3 bedrooms | $3,520/mo | $3,674 | -4.2% |
| 4 bedrooms | $4,249/mo | $4,432 | -4.1% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Urban Honolulu, HI MSA.
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 Honolulu 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 Honolulu County?
$828,000 for a single-family home in 2026 (HUD), up to $1,592,350 for a four-unit property.
What counts as a jumbo loan in Honolulu County?
A mortgage above $1,249,125 for a single-family home is a jumbo (non-conforming) loan in Honolulu County in 2026.
What are the HUD income limits in Honolulu County?
For a family of four (FY2026): low income $123,200, very low income $77,000, extremely low income $46,200; area median family income $133,400.
What is the fair market rent in Honolulu County?
$2,542 a month for a two-bedroom unit in FY2027 (HUD), $1,951 for one bedroom.