96706 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96706 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$522,922
Days to Sell
79
Homes Sold
50
Inventory
147
Sale-to-List
99.7%
New Listings
110
Price/SqFt
$591
Pending Sales
78
Conforming Loan Available
Most homebuyers in 96706 can comfortably use conventional financing. The median home price of $522,922 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 79 days on average, 96706 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 96706 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 96706 can comfortably use conventional financing. The median home price of $522,922 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 96706 are set at the county level.
2026 Loan Limits — Honolulu County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $828,000 |
| 2 Units | $1,599,375 | $1,060,000 |
| 3 Units | $1,933,200 | $1,281,300 |
| 4 Units | $2,402,625 | $1,592,350 |
Affordability Snapshot — Zip 96706
To purchase the median home at $522,922 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,156.
Monthly Payment
$4,156
Income Required
$178,134
Principal & Interest
$3,222/mo
Down Payment (5%)
$26,146
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 96706.
Estimated Monthly Payment
$3,386
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