Kauai County, Hawaii has a 2026 one-unit conforming loan limit of $1,249,125, which is 1.4 times the county's median home value of $873,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,668 (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) | $873,200 |
| Hawaii median home value | $839,100 |
| Limit ÷ median home value | 1.43× |
| Median household income | $97,668 |
| Median home value ÷ income | 8.9× |
| Population | 73,731 |
| Median property tax paid (owners) | $1,866 |
| Effective property tax rate (approx.) | 0.21% |
| Owner-occupied homes | 68.6% |
| Home value rank in Hawaii | 3 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. Kauai County's median home value is 4% above the state median of $839,100 (rank 3 of 4). Owners pay a median $1,866 a year in property tax, an effective rate of about 0.21% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.