96731 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96731 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Honolulu County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$1,175,000
Days to Sell
62
Homes Sold
1
Inventory
4
Conforming Loan Available
The median home in 96731 at $1,175,000 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
With homes sitting for 62 days on average, 96731 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 96731 at $1,175,000 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 96731 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 96731
To purchase the median home at $1,175,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,152.
Monthly Payment
$9,152
Income Required
$392,249
Principal & Interest
$7,240/mo
Down Payment (5%)
$58,750
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 96731.
Estimated Monthly Payment
$7,422
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