FHA Loan Limits in Kauai County, Hawaii (2026)
In Kauai County — anchored by Kauai 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 Kauai County — Kauai County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Honolulu and Maui Counties.
Affording a home in Kauai County & Kauai County
With Kauai County's median sale price estimated near $1,150,000 (think Kauai County), the FHA down payment is roughly $40,250. Factoring Hawaii property taxes near 0.29%, expect about $7,856 monthly, pointing to income near $304,000 — above Hawaii's $94,814 median household income, so budget carefully.
FHA payment scenarios in Kauai County
FHA payments across Kauai County price points — from entry homes near Kauai County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $828,000 | $28,980 | $5,689 |
| Local median — $1,150,000 | $40,250 | $7,856 |
| 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 Kauai County too — get notified.
Buyers across Kauai County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $40,250 down payment near Kauai County into little out of pocket.
Multi-unit FHA limits in Kauai County
Kauai 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 Kauai 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 Kauai County for 2026?
- In Kauai County (Kauai 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 Kauai County with FHA?
- For a median-priced ($1,150,000) Kauai County home, plan on income around $304,000 at a 31% housing ratio — about $7,856/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kauai County?
- 3.5% with a 580+ score — roughly $40,250 on a $1,150,000 Kauai County-area home. Gift funds are allowed.
- Is Kauai County a high-cost FHA area?
- Yes — Kauai County's $1,249,125 one-unit limit tops the $541,287 national floor.