FHA Loan Limits in Honolulu County, Hawaii (2026)
From Honolulu County, FHA buyers in Honolulu County can finance a one-unit home up to $1,249,125 with 3.5% down in 2026. 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 Honolulu County — Honolulu County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Maui and Hawaii Counties.
What can you buy with FHA in Honolulu County?
With Honolulu County's median sale price estimated near $830,000 (think Honolulu County), the FHA down payment is roughly $29,050. Factoring Hawaii property taxes near 0.29%, expect about $5,702 monthly, pointing to income near $221,000 — above Hawaii's $94,814 median household income, so budget carefully.
FHA payment scenarios in Honolulu County
FHA payments across Honolulu County price points — from entry homes near Honolulu County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $598,000 | $20,930 | $4,141 |
| Local median — $830,000 | $29,050 | $5,702 |
| 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 Honolulu County too — get notified.
Buyers across Honolulu County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $29,050 down payment near Honolulu County into little out of pocket.
Multi-unit FHA limits in Honolulu County
Honolulu County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in Honolulu County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Honolulu County for 2026?
- In Honolulu County (Honolulu 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 Honolulu County with FHA?
- For a median-priced ($830,000) Honolulu County home, plan on income around $221,000 at a 31% housing ratio — about $5,702/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Honolulu County?
- 3.5% with a 580+ score — roughly $29,050 on a $830,000 Honolulu County-area home. Gift funds are allowed.
- Is Honolulu County a high-cost FHA area?
- Yes — Honolulu County's $1,249,125 one-unit limit tops the $541,287 national floor.