Kalawao County, Hawaii loan limits 2026
FIPS 15005 · 1 ZIP codes, e.g. 96742
In Kalawao County the 2026 conforming loan limit is $1,299,500 for a single-family home — a high-cost area, 56% above the national baseline. The FHA limit is $1,299,500. Anything above $1,299,500 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 Kalawao 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) | $1,299,500 | $1,299,500 | +7.4% |
| 2 units | $1,663,600 | $1,663,600 | +7.4% |
| 3 units | $2,010,950 | $2,010,950 | +7.4% |
| 4 units | $2,499,100 | $2,499,100 | +7.4% |
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.
HUD income limits FY2026
Area median family income: $121,400 · Kalawao County, HI HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $68,250 | $78,000 | $87,750 | $97,500 | $105,300 | $113,100 | $120,900 | $128,700 |
| Very low income (50%) | $42,700 | $48,800 | $54,900 | $60,950 | $65,850 | $70,750 | $75,600 | $80,500 |
| Extremely low income (30%) | $25,600 | $29,250 | $32,900 | $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 | $1,621/mo | $1,801 | -10% |
| 1 bedroom | $1,778/mo | $1,899 | -6.4% |
| 2 bedrooms | $2,326/mo | $2,492 | -6.7% |
| 3 bedrooms | $2,932/mo | $3,227 | -9.1% |
| 4 bedrooms | $3,630/mo | $4,024 | -9.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Kalawao County, HI HUD Metro FMR Area.
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 Kalawao County, HI for 2026?
$1,299,500 for a one-unit property ($1,663,600 for 2 units, $2,010,950 for 3, $2,499,100 for 4), set by the FHFA; it was $1,209,750 in 2025.
What is the FHA loan limit in Kalawao County?
$1,299,500 for a single-family home in 2026 (HUD), up to $2,499,100 for a four-unit property.
What counts as a jumbo loan in Kalawao County?
A mortgage above $1,299,500 for a single-family home is a jumbo (non-conforming) loan in Kalawao County in 2026.
What are the HUD income limits in Kalawao County?
For a family of four (FY2026): low income $97,500, very low income $60,950, extremely low income $37,950; area median family income $121,400.
What is the fair market rent in Kalawao County?
$2,326 a month for a two-bedroom unit in FY2027 (HUD), $1,778 for one bedroom.