96701 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96701 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$1,162,000
Days to Sell
59
Homes Sold
29
Inventory
21
Sale-to-List
98.5%
New Listings
27
Price/SqFt
$734
Pending Sales
27
Conforming Loan Available
The median home in 96701 at $1,162,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
96701's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 96701 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 96701 at $1,162,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 96701 are set at the county level.
2026 Loan Limits — Honolulu County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $828,000 |
| 2 Units | $1,599,375 | $1,060,000 |
| 3 Units | $1,933,200 | $1,281,300 |
| 4 Units | $2,402,625 | $1,592,350 |
Affordability Snapshot — Zip 96701
To purchase the median home at $1,162,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,053.
Monthly Payment
$9,053
Income Required
$387,980
Principal & Interest
$7,160/mo
Down Payment (5%)
$58,100
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 96701.
Estimated Monthly Payment
$7,341
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