Hawaii conforming loan limits 2026
Hawaii has 5 counties. 5 of them sit on a figure above the $832,750 baseline, spread over 2 distinct figures; the highest in the state is $1,299,500.
Hawaii's baseline is set at 150% of the contiguous baseline — $1,249,125 — and Hawaii also has its own higher ceiling, $1,299,500. For 2026, the figure moved in 5 of its 5 counties and 0 stayed the same.
Hawaii ranks 49th of 56 jurisdictions by county count, and 1st by highest limit. Of its counties, 5 sit inside a metropolitan or micropolitan area — that is all of them, across 4 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Figures used in Hawaii
- $1,299,500 — 2 counties in Hawaii
- $1,249,125 — 3 counties in Hawaii (75 counties in all)
All counties in Hawaii
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Hawaii County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Honolulu County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Kalawao County | $1,299,500 | $1,209,750 | $1,149,825 | +7.4% | 2 in all |
| Kauai County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Maui County | $1,299,500 | $1,209,750 | $1,149,825 | +7.4% | 2 in all |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Hawaii use the baseline conforming loan limit?
No. 5 of 5 counties are above the $832,750 baseline, and the state's highest limit is $1,299,500.
What counts as a jumbo loan in Hawaii?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.