96740 — Hawaii County, Hawaii Market Snapshot
Housing market data for zip code 96740 in Hawaii County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
51 sales in 2026 (year to date)
Median Sale Price
$545,000
Days to Sell
141
Homes Sold
51
Inventory
124
Sale-to-List
96.3%
New Listings
70
Price/SqFt
$616
Pending Sales
56
Conforming Loan Available
Most homebuyers in 96740 can comfortably use conventional financing. The median home price of $545,000 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 141 days on average, 96740 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 96740 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96740 can comfortably use conventional financing. The median home price of $545,000 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 96740 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 96740
To purchase the median home at $545,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,326.
Monthly Payment
$4,326
Income Required
$185,384
Principal & Interest
$3,358/mo
Down Payment (5%)
$27,250
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 96740.
Estimated Monthly Payment
$3,523
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