96814 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96814 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
180 sales in 2026 (year to date)
Median Sale Price
$697,500
Days to Sell
109
Homes Sold
180
Inventory
440
Sale-to-List
97.1%
New Listings
254
Price/SqFt
$1,013
Pending Sales
213
Conforming Loan Available
Most homebuyers in 96814 can comfortably use conventional financing. The median home price of $697,500 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 109 days on average, 96814 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 96814 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96814 can comfortably use conventional financing. The median home price of $697,500 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 96814 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 96814
To purchase the median home at $697,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,494.
Monthly Payment
$5,494
Income Required
$235,458
Principal & Interest
$4,298/mo
Down Payment (5%)
$34,875
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 96814.
Estimated Monthly Payment
$4,467
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