Hawaii County, Hawaii has a 2026 one-unit conforming loan limit of $1,249,125, which is 2.4 times the county's median home value of $519,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,639 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $1,249,125 |
| 2-unit limit | $1,599,375 |
| 3-unit limit | $1,933,200 |
| 4-unit limit | $2,402,625 |
| Median home value (ACS 2020–24) | $519,300 |
| Hawaii median home value | $839,100 |
| Limit ÷ median home value | 2.41× |
| Median household income | $78,639 |
| Median home value ÷ income | 6.6× |
| Population | 205,769 |
| Median property tax paid (owners) | $1,459 |
| Effective property tax rate (approx.) | 0.28% |
| Owner-occupied homes | 74.0% |
| Home value rank in Hawaii | 4 of 4 counties |
Across Hawaii's 5 counties, FHFA's 2026 one-unit limits range from $1,249,125 to $1,299,500, with 5 high-cost counties. Hawaii County's median home value is 38% below the state median of $839,100 (rank 4 of 4). Owners pay a median $1,459 a year in property tax, an effective rate of about 0.28% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Haskell County, TX
- 2026 conforming loan limit: Hatillo Municipio, PR
- 2026 conforming loan limits in Hawaii by county
- 2026 conforming loan limit: Hawkins County, TN
- 2026 conforming loan limit: Hayes County, NE
- 2026 conforming loan limit: Hays County, TX
- 2026 conforming loan limit: Haywood County, NC
- 2026 conforming loan limit: Haywood County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.