Hawaii · 2026 limits
Kalawao County loan limits 2026
$1,299,500
conforming loan limit for a one-unit home in Kalawao County, Hawaii, 2026
Special-area high-cost +$89,750 (+7.4%) from $1,209,750 in 2025
The largest loan Fannie Mae or Freddie Mac can buy here. It caps the loan, not the home price. Informational only, not lending advice.
The four limits, drawn to scale
Height = 2026 conforming limit, dollars. 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.
2026 limit herespecial-area baseline
Table
| Units | 2026 limit | 2025 limit | Change | Baseline | Ceiling |
|---|---|---|---|---|---|
| 1 unit | $1,299,500 | $1,209,750 | +$89,750 (+7.4%) | $1,249,125 | — |
| 2 units | $1,663,600 | $1,548,975 | +$114,625 (+7.4%) | $1,599,375 | — |
| 3 units | $2,010,950 | $1,872,225 | +$138,725 (+7.4%) | $1,933,200 | — |
| 4 units | $2,499,100 | $2,326,875 | +$172,225 (+7.4%) | $2,402,625 | — |
Source: FHFA 2026 and 2025 county loan limit files.
FHA loan limit in Kalawao County
HUD sets FHA limits separately. For 2026, every county's one-unit FHA limit is between the floor of $541,287 and the ceiling of $1,249,125 (special exception areas such as this one can be higher). We do not publish HUD's county figure here; HUD's own lookup has the exact 2026 FHA limit for Kalawao County, Hawaii.
Check Kalawao County on HUD's FHA lookup
On HUD's page choose Hawaii, then Kalawao County, and the limit type "FHA Forward". How FHA limits work →
Same metro area, same limit
FHFA gives every county in a metro or micropolitan area the value of its highest-cost county.
Other counties in Hawaii
Questions
What is the 2026 conforming loan limit in Kalawao County?
$1,299,500 for a one-unit home. For 2, 3 and 4 units it is $1,663,600, $2,010,950 and $2,499,100. These are FHFA's 2026 limits for loans Fannie Mae and Freddie Mac can buy.
Is Kalawao County a high-cost area?
Yes. 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.
What is the jumbo loan threshold in Kalawao County?
A one-unit loan above $1,299,500 is larger than the conforming limit, so it is a jumbo loan. For a fourplex the line is $2,499,100.
What is the FHA loan limit in Kalawao County for 2026?
HUD sets it separately. Every county's one-unit FHA limit for 2026 is between $541,287 and $1,249,125 (special exception areas can be higher); HUD's FHA Mortgage Limits lookup has the exact figure for Kalawao County.
When will the 2027 limits for Kalawao County be published?
FHFA announces the next year's limits at the end of November, and they take effect on January 1. This page is updated when the 2027 file is released.
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.