State · 2026 limits
Hawaii conforming loan limits 2026
Up to $1,299,500
highest one-unit conforming limit in Hawaii, 2026 (2 counties, including Kalawao County and Maui County)
Special area: Alaska, Hawaii, Guam and the U.S. Virgin Islands have a baseline 50% above the national one by law: $1,249,125 for one unit. This county is set higher still, from local home values. Limits by county from FHFA. Informational only, not lending advice.
Counties above the baseline
One-unit limit, 2026. 2 of 5 counties are above the $1,249,125 baseline. The table below lists every county.
Source: FHFA 2026 county loan limit file.
Every Hawaii county
No rows match.
| Kalawao County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 | +$89,750 (+7.4%) |
|---|---|---|---|---|---|
| Maui County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 | +$89,750 (+7.4%) |
| Hawaii County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Honolulu County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
| Kauai County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
FHA limits in Hawaii
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026 (higher in special exception areas). HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in Hawaii?
It depends on the county: from $1,249,125 to $1,299,500 for a one-unit home. 2 of 5 counties are above the baseline.
Which Hawaii counties have the highest loan limits?
2 counties share the top limit of $1,299,500: Kalawao County, Maui County.
What is the FHA loan limit in Hawaii for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit (special exception areas such as Hawaii can be higher). HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the Hawaii limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.