96741 — Kauai County, Hawaii Market Snapshot
Housing market data for zip code 96741 in Kauai County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,535,000
Days to Sell
110
Homes Sold
11
Inventory
19
Sale-to-List
94.5%
New Listings
12
Price/SqFt
$716
Pending Sales
10
Jumbo Loan Likely Needed
The median home in 96741 at $1,535,000 exceeds the 2026 conforming loan limit of $1,249,125 by $285,875. 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 110 days on average, 96741 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 96741 sells for 5.5% below asking price (94.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96741 at $1,535,000 exceeds the 2026 conforming loan limit of $1,249,125 by $285,875. 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 96741 are set at the county level.
2026 Loan Limits — Kauai County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,110,900 |
| 2 Units | $1,599,375 | $1,422,150 |
| 3 Units | $1,933,200 | $1,719,050 |
| 4 Units | $2,402,625 | $2,136,400 |
Affordability Snapshot — Zip 96741
To purchase the median home at $1,535,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,911.
Monthly Payment
$11,911
Income Required
$510,458
Principal & Interest
$9,458/mo
Down Payment (5%)
$76,750
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 96741.
Estimated Monthly Payment
$9,650
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