FHA Loan Limits in Hawaii County, Hawaii (2026)
In Hawaii County — anchored by Hawaii County — the 2026 FHA loan limit for a single-family home is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Every community in Hawaii County — Hawaii County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Honolulu and Maui Counties.
Affording a home in Hawaii County & Hawaii County
Homes around Hawaii County carry an estimated local median near $560,000, so an FHA buyer in Hawaii County puts down about $19,600 (3.5%). With Hawaii's 0.29% effective property-tax rate, the all-in payment runs near $3,885 a month — comfortable on household income around $150,000, above Hawaii's $94,814 median household income, so budget carefully.
FHA payment scenarios in Hawaii County
Here is what an FHA payment looks like at three Hawaii County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $2,829 |
| Local median — $560,000 | $19,600 | $3,885 |
| At the FHA limit — $1,249,125 | $43,719 | $8,523 |
Estimates include FHA MIP plus Hawaii property taxes and insurance. Rates move daily near Hawaii County too — get notified.
Buyers across Hawaii County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $19,600 down payment near Hawaii County into little out of pocket.
Multi-unit FHA limits in Hawaii County
Looking at a duplex or fourplex near Hawaii County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Hawaii County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Hawaii County for 2026?
- In Hawaii County (Hawaii County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Hawaii County with FHA?
- For a median-priced ($560,000) Hawaii County home, plan on income around $150,000 at a 31% housing ratio — about $3,885/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hawaii County?
- 3.5% with a 580+ score — roughly $19,600 on a $560,000 Hawaii County-area home. Gift funds are allowed.
- Is Hawaii County a high-cost FHA area?
- Yes — Hawaii County's $1,249,125 one-unit limit tops the $541,287 national floor.