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%2,164
$1M - $2M
71%29%279
$2M - $3M
83%17%35
$3M - $4M
87%13%15
$4M - $5M
75%25%4
$5M+
100%0%10
HomesCashFinancing# Sales
$0M - $1M
34%66%149
$1M - $2M
29%71%450
$2M - $3M
54%46%85
$3M - $4M
64%36%36
$4M - $5M
56%44%16
$5M+
89%11%19
Cash vs Financing by Price Range, 13 - 24 Months Ago
CondosCashFinancing# Sales
$0M - $1M
44%56%2,380
$1M - $2M
66%34%270
$2M - $3M
91%9%44
$3M - $4M
80%20%10
$4M - $5M
50%50%2
$5M+
94%6%18
HomesCashFinancing# Sales
$0M - $1M
20%80%126
$1M - $2M
28%72%425
$2M - $3M
45%55%91
$3M - $4M
52%48%33
$4M - $5M
75%25%8
$5M+
78%22%23
Cash vs Financing by Price Range, 25 - 36 Months Ago
CondosCashFinancing# Sales
$0M - $1M
35%65%3,458
$1M - $2M
44%56%394
$2M - $3M
66%34%50
$3M - $4M
79%21%24
$4M - $5M
83%17%12
$5M+
81%19%16
HomesCashFinancing# Sales
$0M - $1M
25%75%187
$1M - $2M
21%79%650
$2M - $3M
38%62%133
$3M - $4M
43%57%63
$4M - $5M
63%37%19
$5M+
82%18%28