96782 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96782 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$1,072,500
Days to Sell
70
Homes Sold
18
Inventory
25
Sale-to-List
100.3%
New Listings
27
Price/SqFt
$629
Pending Sales
25
Conforming Loan Available
The median home in 96782 at $1,072,500 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 70 days on average, 96782 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
Homes are selling very close to asking price in 96782 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 96782 at $1,072,500 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 96782 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 96782
To purchase the median home at $1,072,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,367.
Monthly Payment
$8,367
Income Required
$358,592
Principal & Interest
$6,608/mo
Down Payment (5%)
$53,625
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 96782.
Estimated Monthly Payment
$6,787
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