2026 Conforming Loan Limits by County in Hawaii
Every Hawaii county has a 2026 one-unit conforming loan limit of at least $1,249,125. That's Hawaii's statutory baseline under the Housing and Economic Recovery Act (HERA), equal to the national high-cost ceiling, so Hawaii, Honolulu and Kauai counties are at $1,249,125 without being high-cost areas. Kalawao and Maui counties are higher, at $1,299,500.
Hawaii county limits
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Hawaii County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Honolulu County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Kalawao County High-cost | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
| Kauai County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Maui County High-cost | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
What these limits mean
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
In Hawaii, a loan up to $1,249,125 for one unit is a standard conforming loan. In a county with a higher limit, the amount above that up to the county limit is high-balance conforming. Above the county limit, it's a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Hawaii counties with their own page
Other states
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.