96746 — Kauai County, Hawaii Market Snapshot
Housing market data for zip code 96746 in Kauai 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
$890,000
Days to Sell
124
Homes Sold
37
Inventory
66
Sale-to-List
95.7%
New Listings
48
Price/SqFt
$816
Pending Sales
38
Conforming Loan Available
Most homebuyers in 96746 can comfortably use conventional financing. The median home price of $890,000 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 124 days on average, 96746 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 96746 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 96746 can comfortably use conventional financing. The median home price of $890,000 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 96746 are set at the county level.
2026 Loan Limits — Kauai County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,110,900 |
| 2 Units | $1,599,375 | $1,422,150 |
| 3 Units | $1,933,200 | $1,719,050 |
| 4 Units | $2,402,625 | $2,136,400 |
Affordability Snapshot — Zip 96746
To purchase the median home at $890,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,969.
Monthly Payment
$6,969
Income Required
$298,667
Principal & Interest
$5,484/mo
Down Payment (5%)
$44,500
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 96746.
Estimated Monthly Payment
$5,658
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