96797 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96797 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
101 sales in 2026 (year to date)
Median Sale Price
$720,000
Days to Sell
63
Homes Sold
101
Inventory
101
Sale-to-List
99.1%
New Listings
113
Price/SqFt
$646
Pending Sales
117
Conforming Loan Available
Most homebuyers in 96797 can comfortably use conventional financing. The median home price of $720,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 63 days on average, 96797 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 96797 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 96797 can comfortably use conventional financing. The median home price of $720,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 96797 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 96797
To purchase the median home at $720,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,666.
Monthly Payment
$5,666
Income Required
$242,846
Principal & Interest
$4,436/mo
Down Payment (5%)
$36,000
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 96797.
Estimated Monthly Payment
$4,606
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 96797. Tell us what you're looking for.