2025 USDA Income Limits in Hawaii

Compare USDA Direct and Guaranteed loan income limits across 5 listed areas in Hawaii. Select a local area for household-size limits and comparisons.

Hawaii USDA Income Limit Overview

For FY2025, the average income limit for a 1–4 person household across Hawaii is $108,770 for USDA Direct loans and $156,350 for USDA Guaranteed loans. Limits vary by local jurisdiction to reflect area income levels and housing conditions.

Areas covered5
Average Direct limit$108,770
Average Guaranteed limit$156,350

Highest USDA Income Limits in Hawaii

These listed areas have the highest FY2025 Guaranteed loan limits for 1–4 person households in Hawaii.

  1. Honolulu County$174,800
  2. Kauai County$158,350
  3. Maui County$154,800
  4. Maui County-Molokai County$154,800
  5. Hawaii County$139,000
Honolulu CountyKauai CountyMaui CountyMaui County-Molokai CountyHawaii County

Hawaii USDA Loan Income Limit FAQs

What is the average USDA income limit in Hawaii?

Across 5 listed areas in Hawaii, the FY2025 average 1–4 person income limit is $108,770 for USDA Direct loans and $156,350 for USDA Guaranteed loans. The exact limit depends on the local jurisdiction where the property is located.

Which Hawaii area has the highest USDA Guaranteed income limit?

Honolulu County has the highest listed FY2025 Guaranteed loan limit for a 1–4 person household at $174,800.

Does meeting the Hawaii income limit guarantee USDA loan approval?

No. Income is one eligibility factor. Applicants must also meet lender or USDA underwriting requirements, and the home must be in a USDA-eligible area.