Highest FHA limit in Hawaii
$1,299,500
In 2026, FHA one-unit limits in Hawaii range from $586,500 to $1,299,500 (Kalawao County). 0 of 5 counties use the national floor.
0 of 5counties at the $541,287 floor
All Hawaii counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Kalawao County | $1,299,500 | $1,663,600 | $2,499,100 | $1,299,500 |
| Maui County | $1,299,500 | $1,663,600 | $2,499,100 | $1,299,500 |
| Kauai County | $1,110,900 | $1,422,150 | $2,136,400 | $1,249,125 |
| Honolulu County | $828,000 | $1,060,000 | $1,592,350 | $1,249,125 |
| Hawaii County | $586,500 | $750,800 | $1,127,900 | $1,249,125 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Hawaii for 2026?
In 2026, FHA one-unit limits in Hawaii range from $586,500 to $1,299,500 (Kalawao County). 0 of 5 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.