96817 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96817 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$1,200,000
Days to Sell
83
Homes Sold
27
Inventory
32
Sale-to-List
98.4%
New Listings
30
Price/SqFt
$770
Pending Sales
35
Conforming Loan Available
The median home in 96817 at $1,200,000 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
With homes sitting for 83 days on average, 96817 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 96817 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 96817 at $1,200,000 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 96817 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 96817
To purchase the median home at $1,200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,344.
Monthly Payment
$9,344
Income Required
$400,458
Principal & Interest
$7,394/mo
Down Payment (5%)
$60,000
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 96817.
Estimated Monthly Payment
$7,577
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 96817. Tell us what you're looking for.