Kalawao County, HI: mortgages, home buyers & loan limits
What buyers in Kalawao County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.
HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026
There are too few 2025 mortgage records in Kalawao County to publish reliable medians.
2026 loan limits in Kalawao County
| Property | Conforming 2026 | vs 2025 | FHA 2026 | vs 2025 |
|---|---|---|---|---|
| 1 unit | $1,299,500 | +$89,750 | $1,299,500 | +$200,100 |
| 2 units | $1,663,600 | +$114,625 | $1,663,600 | +$256,150 |
| 3 units | $2,010,950 | +$138,725 | $2,010,950 | +$309,650 |
| 4 units | $2,499,100 | +$172,225 | $2,499,100 | +$384,800 |
2026 limits for Kalawao County, HI: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA treats this county as a high-cost area (limit above the national floor). Loans above the conforming limit are "jumbo" loans.
All Hawaii counties: Hawaii 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.
No completed home-purchase applications were reported for Kalawao County in 2025.
Check a quote for Kalawao County
Nearby counties
| County | Distance | Purchase loans | Median loan | Buyer income | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|
| Maui County, HI | 35 mi | 570 | $775,000 | $193,000 | $1,299,500 | $1,299,500 |
| Honolulu County, HI | 81 mi | 5,547 | $595,000 | $158,000 | $1,249,125 | $828,000 |
| Hawaii County, HI | 147 mi | 1,186 | $445,000 | $130,000 | $1,249,125 | $586,500 |
| Kauai County, HI | 184 mi | 272 | $755,000 | $184,000 | $1,249,125 | $1,110,900 |
| San Francisco County, CA | 2320 mi | 3,442 | $925,000 | $304,000 | $1,249,125 | $1,249,125 |
| Mendocino County, CA | 2342 mi | 340 | $405,000 | $128,000 | $832,750 | $546,250 |
Frequently asked questions
What is the 2026 conforming loan limit in Kalawao County?
$1,299,500 for a one-unit home (FHFA). Two- to four-unit limits are $1,663,600, $2,010,950, $2,499,100. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.
What is the 2026 FHA loan limit in Kalawao County?
$1,299,500 for a one-unit home (HUD). Kalawao County is an FHA high-cost area; HUD's median price used to set the limit is $1,130,000.
Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology