96743 — Hawaii County, Hawaii Market Snapshot
Housing market data for zip code 96743 in Hawaii County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$1,700,000
Days to Sell
122
Homes Sold
55
Inventory
97
Sale-to-List
96.9%
New Listings
45
Price/SqFt
$861
Pending Sales
47
Jumbo Loan Likely Needed
The median home in 96743 at $1,700,000 exceeds the 2026 conforming loan limit of $1,249,125 by $450,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 122 days on average, 96743 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 96743 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96743 at $1,700,000 exceeds the 2026 conforming loan limit of $1,249,125 by $450,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 96743 are set at the county level.
2026 Loan Limits — Hawaii County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $586,500 |
| 2 Units | $1,599,375 | $750,800 |
| 3 Units | $1,933,200 | $907,550 |
| 4 Units | $2,402,625 | $1,127,900 |
Affordability Snapshot — Zip 96743
To purchase the median home at $1,700,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,175.
Monthly Payment
$13,175
Income Required
$564,637
Principal & Interest
$10,475/mo
Down Payment (5%)
$85,000
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 96743.
Estimated Monthly Payment
$10,671
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 96743.
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