2026 Conforming Loan Limits in Honolulu County, Hawaii
The 2026 conforming loan limit for a one-unit home in Honolulu County, Hawaii is $1,249,125, Hawaii's statutory baseline under the Housing and Economic Recovery Act (HERA), which equals the national high-cost ceiling. Loans above that amount are jumbo loans.
Honolulu County limits by number of units
| Units | Honolulu County limit | National baseline |
|---|---|---|
| 1 unit | $1,249,125 | $832,750 |
| 2 units | $1,599,375 | $1,066,250 |
| 3 units | $1,933,200 | $1,288,800 |
| 4 units | $2,402,625 | $1,601,750 |
What this means
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 Honolulu County, a one-unit loan up to $1,249,125 is a standard conforming loan, and anything above $1,249,125 is a jumbo loan. There is no high-balance band here.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Property tax
Hawaii's average effective property tax rate is 0.29% of home value (statewide average; your county and city will differ).
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.