Loan Limits / Hawaii / Hawaii County
2026 Loan Limits · Hawaii · HILO-KAILUA, HI
Hawaii County, HI.
2026 conforming and FHA loan limits, calibrated to a median sales price of $510,000. Hawaii qualifies for the 50% statutory increase available to Hawaii, Alaska, Guam, and the U.S. Virgin Islands.
Median Sales Price
$510,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,249,125
Special (HI/AK/GU/VI)
FHA 1u Limit
$586,500
Special (HI/AK/GU/VI)
Jumbo Threshold
> $1,249,125
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Special (HI/AK/GU/VI)| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
FHA Forward (203b)
Special (HI/AK/GU/VI)| 1-unit (single-family) | $586,500 |
| 2-unit (duplex) | $750,800 |
| 3-unit (triplex) | $907,550 |
| 4-unit (fourplex) | $1,127,900 |
About this county
About Hawaii County
Hawaiʻi County is a county in the U.S. state of Hawaii in the Hawaiian Islands. It is coextensive with the Island of Hawaiʻi, often called the "Big Island" to distinguish it from the state as a whole. The 2020 Census population was 200,629. The county seat is Hilo. There are no incorporated cities in Hawaiʻi County. The Hilo Micropolitan Statistical Area includes all of Hawaiʻi County. Hawaiʻi County has a mayor–council form of government. In terms of geography, Hawaiʻi County is the most expansive county in the state and the most southerly county in the United States. Read more on Wikipedia →
Population
203,684
U.S. Census ACS 2023
Median Household Income
$77,215
U.S. Census ACS 2023
Median Home Value (Census)
$486,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
73%
Of occupied housing
What these limits mean for buyers in Hawaii County
The 2026 conforming 1-unit limit for Hawaii County is $1,249,125. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Hawaii qualifies for the 50% statutory increase available to Hawaii, Alaska, Guam, and the U.S. Virgin Islands per 12 USC § 1709(b)(2)(A), so the limit is set above the standard high-cost ceiling.
For FHA financing, the 2026 1-unit limit is $586,500. The HUD CHUMS table pegs the median sales price for Hawaii County at $510,000. Because of the special-tier statutory bump, the FHA limit here can exceed the standard national ceiling.
Practical takeaway. The median sales price in Hawaii County ($510,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price. Hawaii receives an additional 50% statutory bump per 12 USC § 1709(b)(2)(A).
Multi-unit and house-hacking math
Hawaii County 2-, 3-, and 4-unit conforming limits are $1,599,375, $1,933,200, and $2,402,625 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Hawaii County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.