96785 — Hawaii County, Hawaii Market Snapshot
Housing market data for zip code 96785 in Hawaii County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$408,000
Days to Sell
108
Homes Sold
17
Inventory
26
Sale-to-List
99.7%
New Listings
17
Price/SqFt
$393
Pending Sales
13
Conforming Loan Available
Most homebuyers in 96785 can comfortably use conventional financing. The median home price of $408,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 108 days on average, 96785 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
Homes are selling very close to asking price in 96785 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 96785 can comfortably use conventional financing. The median home price of $408,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 96785 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 96785
To purchase the median home at $408,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,276.
Monthly Payment
$3,276
Income Required
$140,399
Principal & Interest
$2,514/mo
Down Payment (5%)
$20,400
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 96785.
Estimated Monthly Payment
$2,675
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