96818 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96818 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$1,327,000
Days to Sell
55
Homes Sold
13
Inventory
11
Sale-to-List
101.6%
New Listings
12
Price/SqFt
$732
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 96818 at $1,327,000 exceeds the 2026 conforming loan limit of $1,249,125 by $77,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
96818's market is balanced with homes taking an average of 55 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 96818 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 96818 at $1,327,000 exceeds the 2026 conforming loan limit of $1,249,125 by $77,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 96818 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 96818
To purchase the median home at $1,327,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,317.
Monthly Payment
$10,317
Income Required
$442,159
Principal & Interest
$8,177/mo
Down Payment (5%)
$66,350
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 96818.
Estimated Monthly Payment
$8,363
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