96712 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96712 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$2,212,500
Days to Sell
193
Homes Sold
10
Inventory
26
Sale-to-List
95.2%
New Listings
18
Price/SqFt
$1,275
Pending Sales
14
Jumbo Loan Likely Needed
The median home in 96712 at $2,212,500 exceeds the 2026 conforming loan limit of $1,249,125 by $963,375. 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 193 days on average, 96712 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 96712 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96712 at $2,212,500 exceeds the 2026 conforming loan limit of $1,249,125 by $963,375. 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 96712 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 96712
To purchase the median home at $2,212,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,101.
Monthly Payment
$17,101
Income Required
$732,920
Principal & Interest
$13,633/mo
Down Payment (5%)
$110,625
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 96712.
Estimated Monthly Payment
$13,843
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 96712.
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