2026 conforming loan limits · Hawaii
Hawaii has 2 distinct one-unit conforming limits, from $1,249,125 to $1,299,500. 2 of 5 counties sit above the $1,249,125 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Hawaii falls under FHFA’s special statutory provisions for Alaska, Hawaii, Guam and the U.S. Virgin Islands. Its baseline is $1,249,125 and its ceiling is $1,873,675 — both higher than the figures that apply in the rest of the country. A limit of $1,249,125 here is the baseline, not the national ceiling.
Hawaii at a glance
| Metric | Value |
|---|---|
| Counties | 5 |
| Lowest one-unit conforming limit | $1,249,125 |
| Highest one-unit conforming limit | $1,299,500 |
| Distinct one-unit limits | 2 |
| Applicable baseline (special statutory) | $1,249,125 |
| Above the applicable baseline | 2 of 5 (40.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
How Hawaii splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 3 | 60.0% | $1,249,125 | $1,249,125 |
| Above baseline, below ceiling | 2 | 40.0% | $1,299,500 | $1,299,500 |
Highest limits in Hawaii: Kalawao County ($1,299,500), Maui County ($1,299,500), Hawaii County ($1,249,125), Honolulu County ($1,249,125), Kauai County ($1,249,125).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Hawaii County | HILO-KAILUA, HI | $1,249,125 | $586,500 | $662,625 |
| Honolulu County | URBAN HONOLULU, HI | $1,249,125 | $828,000 | $421,125 |
| Kalawao County | KAHULUI-WAILUKU, HI | $1,299,500 | $1,299,500 | $0 |
| Kauai County | KAPAA, HI | $1,249,125 | $1,110,900 | $138,225 |
| Maui County | KAHULUI-WAILUKU, HI | $1,299,500 | $1,299,500 | $0 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Hawaii County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Honolulu County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Kalawao County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
| Kauai County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Maui County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)