Loan Limits / Hawaii / Honolulu County
2026 Loan Limits · Hawaii · URBAN HONOLULU, HI
Honolulu County, HI.
2026 conforming and FHA loan limits, calibrated to a median sales price of $720,000. Hawaii qualifies for the 50% statutory increase available to Hawaii, Alaska, Guam, and the U.S. Virgin Islands.
Median Sales Price
$720,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,249,125
Special (HI/AK/GU/VI)
FHA 1u Limit
$828,000
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) | $828,000 |
| 2-unit (duplex) | $1,060,000 |
| 3-unit (triplex) | $1,281,300 |
| 4-unit (fourplex) | $1,592,350 |
About this county
About Honolulu County
Honolulu County, officially known as the City and County of Honolulu and formerly as Oʻahu County, is a consolidated city-county in the U.S. state of Hawaii, one of five counties in the state. The city-county includes both Urban Honolulu and the rest of the neighborhoods on the island of Oʻahu, as well as several minor outlying islands, including all of the Northwestern Hawaiian Islands except Midway Atoll. Read more on Wikipedia →
Population
1,003,666
U.S. Census ACS 2023
Median Household Income
$104,264
U.S. Census ACS 2023
Median Home Value (Census)
$873,000
Owner-occupied · ACS 2023
Owner-Occupancy Rate
60%
Of occupied housing
What these limits mean for buyers in Honolulu County
The 2026 conforming 1-unit limit for Honolulu 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 $828,000. The HUD CHUMS table pegs the median sales price for Honolulu County at $720,000. Because of the special-tier statutory bump, the FHA limit here can exceed the standard national ceiling.
Practical takeaway. The median sales price in Honolulu County ($720,000) 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
Honolulu 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 Honolulu County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.