96734 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96734 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$1,516,000
Days to Sell
82
Homes Sold
78
Inventory
140
Sale-to-List
97.9%
New Listings
133
Price/SqFt
$939
Pending Sales
101
Jumbo Loan Likely Needed
The median home in 96734 at $1,516,000 exceeds the 2026 conforming loan limit of $1,249,125 by $266,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 82 days on average, 96734 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 96734 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96734 at $1,516,000 exceeds the 2026 conforming loan limit of $1,249,125 by $266,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 96734 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 96734
To purchase the median home at $1,516,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,765.
Monthly Payment
$11,765
Income Required
$504,219
Principal & Interest
$9,341/mo
Down Payment (5%)
$75,800
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 96734.
Estimated Monthly Payment
$9,532
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