96720 — Hawaii County, Hawaii Market Snapshot
Housing market data for zip code 96720 in Hawaii County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$564,500
Days to Sell
135
Homes Sold
48
Inventory
89
Sale-to-List
96.6%
New Listings
57
Price/SqFt
$432
Pending Sales
65
Conforming Loan Available
Most homebuyers in 96720 can comfortably use conventional financing. The median home price of $564,500 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 135 days on average, 96720 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 96720 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96720 can comfortably use conventional financing. The median home price of $564,500 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 96720 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 96720
To purchase the median home at $564,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,475.
Monthly Payment
$4,475
Income Required
$191,787
Principal & Interest
$3,478/mo
Down Payment (5%)
$28,225
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 96720.
Estimated Monthly Payment
$3,644
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