96704 — Hawaii County, Hawaii Market Snapshot
Housing market data for zip code 96704 in Hawaii County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$394,500
Days to Sell
134
Homes Sold
26
Inventory
105
Sale-to-List
95.5%
New Listings
49
Price/SqFt
$286
Pending Sales
32
Conforming Loan Available
Most homebuyers in 96704 can comfortably use conventional financing. The median home price of $394,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 134 days on average, 96704 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 96704 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96704 can comfortably use conventional financing. The median home price of $394,500 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 96704 are set at the county level.
2026 Loan Limits — Hawaii County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $586,500 |
| 2 Units | $1,599,375 | $750,800 |
| 3 Units | $1,933,200 | $907,550 |
| 4 Units | $2,402,625 | $1,127,900 |
Affordability Snapshot — Zip 96704
To purchase the median home at $394,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,173.
Monthly Payment
$3,173
Income Required
$135,966
Principal & Interest
$2,431/mo
Down Payment (5%)
$19,725
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 96704.
Estimated Monthly Payment
$2,591
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