Hawaii USDA Loans

My state-specific information

Eligibility Requirements – Hawaii

Who hasn’t dreamed of living on the sun-kissed beaches of Hawaii? With a USDA home loan, that dream could finally be a reality. For a USDA loan in Hawaii, the average household income limit for a family of 1-4 is $139,000, and for a family of 5 or more it can be as high as $230,750. Curious to learn more? Fill out the form below and one of our USDA loan specialists will help you get started.

Shown on the map below are the areas of Hawaii eligible for USDA loans. For more information on what areas qualify, head to the USDA property eligibility screen.

Hawaii USDA Income Limits (Moderate Income – Guaranteed Loan)

All areas of Hawaii have elevated USDA income limits due to higher housing costs.

Area 1–4 Person 5+ Person
Hawaii County (Big Island) $139,000 $183,500
Kahului–Wailuku–Lahaina, HI HUD Metro FMR Area (Maui County) $154,800 $204,350
Kauai County $158,350 $209,050
Urban Honolulu, HI MSA (Oahu) $174,800 $230,750

USDA income limits in Hawaii are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may qualify for a USDA loan with 100% financing (no down payment required).

Check Your Hawaii USDA Eligibility

USDA loans are available in eligible rural areas throughout Hawaii. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Because Hawaii income limits are significantly higher than most states, many buyers are surprised they qualify. Complete a quick USDA prequalification to confirm your eligibility.

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Hawaii.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Hawaii USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Hawaii