Hawaii Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 4 counties in Hawaii. FHA limits in this state range from $811,931 to $844,675, while conforming limits range from $1,249,125 to $1,299,500.
2026 Loan Limits by County in Hawaii
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Hawaii County | $811,931 | $1,249,125 | $519,300 |
| 2 | Honolulu County | $811,931 | $1,249,125 | $897,500 |
| 3 | Kauai County | $811,931 | $1,249,125 | $873,200 |
| 4 | Maui County | $844,675 | $1,299,500 | $904,700 |
About Hawaii's Mortgage Market
Hawaii has 4 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Hawaii range from $811,931 to $844,675 for a single-family home. Conforming limits range from $1,249,125 to $1,299,500.
Use our mortgage calculator to compute monthly payments using Hawaii-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Hawaii?
The highest 2026 FHA limit in Hawaii is $844,675 for a single-family home.
What is the maximum conforming loan limit in Hawaii?
The highest 2026 conforming loan limit in Hawaii is $1,299,500 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Hawaii?
Hawaii has 4 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.