96756 — Kauai County, Hawaii Market Snapshot
Housing market data for zip code 96756 in Kauai County, Hawaii. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$1,057,000
Days to Sell
125
Homes Sold
27
Inventory
83
Sale-to-List
95.6%
New Listings
56
Price/SqFt
$951
Pending Sales
29
Conforming Loan Available
The median home in 96756 at $1,057,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 125 days on average, 96756 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 96756 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 96756 at $1,057,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 96756 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 96756
To purchase the median home at $1,057,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,248.
Monthly Payment
$8,248
Income Required
$353,503
Principal & Interest
$6,513/mo
Down Payment (5%)
$52,850
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 96756.
Estimated Monthly Payment
$6,692
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