96786 — Honolulu County, Hawaii Market Snapshot
Housing market data for zip code 96786 in Honolulu County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$847,000
Days to Sell
92
Homes Sold
24
Inventory
26
Sale-to-List
98.8%
New Listings
23
Price/SqFt
$590
Pending Sales
21
Conforming Loan Available
Most homebuyers in 96786 can comfortably use conventional financing. The median home price of $847,000 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 92 days on average, 96786 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 96786 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 96786 can comfortably use conventional financing. The median home price of $847,000 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 96786 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 96786
To purchase the median home at $847,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,639.
Monthly Payment
$6,639
Income Required
$284,547
Principal & Interest
$5,219/mo
Down Payment (5%)
$42,350
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 96786.
Estimated Monthly Payment
$5,392
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