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Find the mortgage loan limits for any U.S. address
2023 Mortgage Loan Limits for Honolulu County, Hawaii
Conforming Loans
FHA Loans
Property Type
2023 Loan Limit
1-Unit Homes
$1,089,300
2-Unit Homes
$1,394,775
3-Unit Homes
$1,685,850
4-Unit Homes
$2,095,200
Property Type
2023 Loan Limit
1-Unit Homes
$770,500
2-Unit Homes
$986,400
3-Unit Homes
$1,192,300
4-Unit Homes
$1,481,750
Source: Federal Housing Finance Agency; Federal Housing Administration
Honolulu County, Hawaii, mortgage loan limits apply in:
Honolulu County 2023 mortgage loan limits include the following cities: Ahuimanu, Aiea, East Honolulu, East Kapolei, Ewa Beach, Ewa Gentry, Ewa Villages, Halawa, Haleiwa, Hauula, Heeia, Helemano, Hickam Housing, Honolulu, Iroquois Point, Kaaawa, Kahaluu, Kahuku, Kailua, Kalaeloa, Kaneohe, Kaneohe Base, Kapolei, Kawela Bay, Ko Olina, Laie, Maili, Makaha, Makaha Valley, Makakilo, Maunawili, Mililani Mauka, Mililani Town, Mokuleia, Nanakuli, Ocean Pointe, Pearl City, Punaluu, Pupukea, Royal Kunia, Schofield Barracks, Wahiawa, Waiahole-Waikane, Waialua, Waianae, Waikele, Waimalu, Waimanalo, Waimanalo Beach, Waipahu, Waipio, Waipio Acres, West Loch Estate, Wheeler AFB, Whitmore Village
What is a mortgage loan limit?
Mortgage loan limits are the upper boundaries for how much a home buyer can borrow on a mortgage. Loan limits vary by county and home type.
The Federal Housing Finance Agency (FHFA) sets mortgage loan limits for conforming mortgages and the Federal Housing Administration (FHA) sets loan limits for FHA mortgages. In Honolulu County, the 2023 conforming mortgage loan limit for a 1-unit home is $1,089,300. The 2023 FHA mortgage loan limit for a 1-unit home is $770,500.
Conforming and FHA mortgage loan limits change annually to reflect changes in local and national home values. Loans that exceed conforming loan limit sizes are commonly called jumbo mortgages. As of 2023, there are no mortgage loan limits for VA loans or USDA loans.
Is Now A Good Time To Buy A House [September 2023]
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Mortgage Loan Limits Near Honolulu County, Hawaii
Get 2023 conforming and FHA mortgage loan limits for the areas surrounding Honolulu County, Hawaii. Local loan limits and county-level mortgage data updated regularly.
Historical Charts: Mortgage Loan Limits in Honolulu County, Hawaii
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Honolulu County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Conforming Loans
FHA Loans
Mortgage Statistics from Honolulu County, Hawaii
Mortgage statistics for Honolulu County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
Honolulu County, Hawaii (2018-2022)
Loan Type
Relative Share
Conventional
61.16%
FHA
3.68%
VA
32.64%
USDA
2.52%
Property Type
Relative Share
1-Unit Homes
99.15%
2-Unit Homes
0.67%
3-Unit Homes
0.11%
4-Unit Homes
0.07%
Borrower Status
Relative Share
One Borrower
11.36%
Two or More Borrowers
88.64%
Gender
Relative Share
Male
61.12%
Female
23.96%
Not Specified
14.92%
Race
Relative Share
American Indian / Alaska Native
0.53%
Asian
48.68%
Black / African American
3.68%
Native Hawaiian / Other Pacific Islander
5.95%
White
30.50%
Other
10.67%
Ethnicity
Relative Share
Hispanic or Latino
5.79%
Not Hispanic or Latino
90.22%
Honolulu County data represents closed-end, first-lien purchase mortgages for residential properties, 1-4 units, for the 5-year period 2018-2022. Source: FFEIC Home Mortgage Disclosure Act
Mortgage Statistics Near Honolulu County, Hawaii
Get mortgage statistics for the areas surrounding Honolulu County, Hawaii.
See Today’s Mortgage Rates in Honolulu County, Hawaii
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