96738 — Hawaii County, Hawaii Market Snapshot
Housing market data for zip code 96738 in Hawaii County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$817,500
Days to Sell
131
Homes Sold
38
Inventory
101
Sale-to-List
96.8%
New Listings
60
Price/SqFt
$582
Pending Sales
46
Conforming Loan Available
Most homebuyers in 96738 can comfortably use conventional financing. The median home price of $817,500 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 131 days on average, 96738 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 96738 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96738 can comfortably use conventional financing. The median home price of $817,500 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 96738 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 96738
To purchase the median home at $817,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,413.
Monthly Payment
$6,413
Income Required
$274,861
Principal & Interest
$5,037/mo
Down Payment (5%)
$40,875
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 96738.
Estimated Monthly Payment
$5,209
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