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
47%53%2,235
$1M - $2M
69%31%284
$2M - $3M
83%17%40
$3M - $4M
78%22%9
$4M - $5M
100%0%2
$5M+
100%0%11
HomesCashFinancing# Sales
$0M - $1M
32%68%147
$1M - $2M
31%69%443
$2M - $3M
54%46%82
$3M - $4M
72%28%32
$4M - $5M
56%44%16
$5M+
92%8%24
Cash vs Financing by Price Range, 13 - 24 Months Ago
CondosCashFinancing# Sales
$0M - $1M
43%57%2,414
$1M - $2M
61%39%277
$2M - $3M
93%7%44
$3M - $4M
80%20%15
$4M - $5M
80%20%5
$5M+
95%5%20
HomesCashFinancing# Sales
$0M - $1M
19%81%136
$1M - $2M
24%76%416
$2M - $3M
45%55%94
$3M - $4M
47%53%34
$4M - $5M
60%40%10
$5M+
68%32%19
Cash vs Financing by Price Range, 25 - 36 Months Ago
CondosCashFinancing# Sales
$0M - $1M
34%66%3,597
$1M - $2M
46%54%388
$2M - $3M
66%34%47
$3M - $4M
79%21%24
$4M - $5M
75%25%12
$5M+
77%23%13
HomesCashFinancing# Sales
$0M - $1M
25%75%208
$1M - $2M
21%79%711
$2M - $3M
39%61%143
$3M - $4M
44%56%68
$4M - $5M
57%43%21
$5M+
86%14%36