Hawaii FHA Loan Limits
2026 FHA Loan Limits in Hawaii
Compare Hawaii FHA loan limit tiers for 1-unit through 4-unit properties, understand local buying-power implications, and open the main FHA lookup prefiltered for Hawaii.
State Tier
Special exception area
1-Unit Standard Floor
$541,287
1-Unit High-Cost Ceiling
$1,249,125
Special Exception Max
$1,873,687
Hawaii FHA Limit Tier Context
FHA allows higher special exception maximums in this state because of elevated construction costs. Exact county limits should still be verified with HUD before applying.
Counties in this state generally follow the FHA high-cost framework statewide.
National Mortgage Center is powered by Stride Bank, NMLS ID #466690. Educational use only. Not affiliated with HUD, FHA, FHFA, or any government agency.
Last reviewed: June 18, 2026.
2026 FHA Limits for Hawaii Planning
The table below shows the 2026 FHA floor, high-cost ceiling, special exception maximum, and the state tier most relevant to Hawaii. Exact county limits may fall between floor and ceiling in mixed-cost states.
| Property Type | Standard Floor | High-Cost Ceiling | Special Exception | Hawaii Planning Tier |
|---|---|---|---|---|
| 1-Unit | $541,287 | $1,249,125 | $1,873,687 | $1,873,687 |
| 2-Unit | $693,050 | $1,599,375 | $2,399,050 | $2,399,050 |
| 3-Unit | $837,700 | $1,933,200 | $2,899,800 | $2,899,800 |
| 4-Unit | $1,041,125 | $2,402,625 | $3,603,925 | $3,603,925 |
What Hawaii FHA Buyers Should Know
Lower effective property taxes can support payment flexibility in some scenarios.
Property taxes may be lower relative to many other states, but home prices can be higher.