96789 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96789 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$1,125,000
Days to Sell
53
Homes Sold
37
Inventory
41
Sale-to-List
101.3%
New Listings
51
Price/SqFt
$657
Pending Sales
54
Conforming Loan Available
The median home in 96789 at $1,125,000 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
96789's market is balanced with homes taking an average of 53 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 96789 (101.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 96789 at $1,125,000 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 96789 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 96789
To purchase the median home at $1,125,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,769.
Monthly Payment
$8,769
Income Required
$375,831
Principal & Interest
$6,932/mo
Down Payment (5%)
$56,250
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 96789.
Estimated Monthly Payment
$7,112
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