Hawaii Living

Honolulu Property Buyers:
Cash vs Financing

Over the years, many of our clients have asked, in different variations, whether buyers of Honolulu real estate purchase more with all cash or use a combination of cash & financing. We therefore created this page, so our clients, and prospective clients, can see the breakdown of cash vs financing buyers, separating Honolulu condos and single-family homes, across different time frames and price points.

The data, from the Oahu MLS, is automatically updated, once per month, to ensure the information stays relevant and up-to-date. We hope you find the the charts and tables informative!
Condos: Cash vs Financing
Homes: Cash vs Financing
Cash vs Financing by Price Range, Past 12 Months
CondosCashFinancing# Sales
$0M - $1M
46%54%2,324
$1M - $2M
71%29%253
$2M - $3M
89%11%44
$3M - $4M
73%27%11
$4M - $5M
100%0%2
$5M+
100%0%15
HomesCashFinancing# Sales
$0M - $1M
29%71%137
$1M - $2M
27%73%415
$2M - $3M
51%49%79
$3M - $4M
45%55%22
$4M - $5M
63%37%8
$5M+
81%19%26
Cash vs Financing by Price Range, 13 - 24 Months Ago
CondosCashFinancing# Sales
$0M - $1M
39%61%2,870
$1M - $2M
48%52%328
$2M - $3M
79%21%48
$3M - $4M
83%17%18
$4M - $5M
88%12%8
$5M+
87%13%15
HomesCashFinancing# Sales
$0M - $1M
23%77%150
$1M - $2M
26%74%524
$2M - $3M
40%60%118
$3M - $4M
45%55%47
$4M - $5M
53%47%15
$5M+
88%12%17
Cash vs Financing by Price Range, 25 - 36 Months Ago
CondosCashFinancing# Sales
$0M - $1M
34%66%3,792
$1M - $2M
51%49%364
$2M - $3M
67%33%55
$3M - $4M
76%24%25
$4M - $5M
69%31%13
$5M+
86%14%14
HomesCashFinancing# Sales
$0M - $1M
22%78%306
$1M - $2M
19%81%744
$2M - $3M
37%63%160
$3M - $4M
53%47%57
$4M - $5M
61%39%23
$5M+
80%20%35