96744 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96744 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$1,250,000
Days to Sell
57
Homes Sold
47
Inventory
69
Sale-to-List
99.5%
New Listings
68
Price/SqFt
$792
Pending Sales
55
Jumbo Loan Likely Needed
The median home in 96744 at $1,250,000 exceeds the 2026 conforming loan limit of $1,249,125 by $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
96744's market is balanced with homes taking an average of 57 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 96744 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 96744 at $1,250,000 exceeds the 2026 conforming loan limit of $1,249,125 by $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 96744 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 96744
To purchase the median home at $1,250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,727.
Monthly Payment
$9,727
Income Required
$416,876
Principal & Interest
$7,702/mo
Down Payment (5%)
$62,500
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 96744.
Estimated Monthly Payment
$7,886
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