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%2,141
$1M - $2M
65%35%283
$2M - $3M
76%24%41
$3M - $4M
95%5%20
$4M - $5M
90%10%10
$5M+
100%0%8
HomesCashFinancing# Sales
$0M - $1M
34%66%146
$1M - $2M
28%72%468
$2M - $3M
50%50%103
$3M - $4M
60%40%47
$4M - $5M
63%37%16
$5M+
76%24%17
Cash vs Financing by Price Range, 13 - 24 Months Ago
CondosCashFinancing# Sales
$0M - $1M
47%53%2,348
$1M - $2M
69%31%265
$2M - $3M
88%12%43
$3M - $4M
70%30%10
$4M - $5M
100%0%1
$5M+
100%0%14
HomesCashFinancing# Sales
$0M - $1M
30%70%132
$1M - $2M
28%72%433
$2M - $3M
50%50%76
$3M - $4M
48%52%23
$4M - $5M
67%33%9
$5M+
81%19%27
Cash vs Financing by Price Range, 25 - 36 Months Ago
CondosCashFinancing# Sales
$0M - $1M
40%60%2,723
$1M - $2M
51%49%310
$2M - $3M
85%15%48
$3M - $4M
88%12%17
$4M - $5M
89%11%9
$5M+
87%13%15
HomesCashFinancing# Sales
$0M - $1M
24%76%158
$1M - $2M
25%75%492
$2M - $3M
44%56%109
$3M - $4M
45%55%42
$4M - $5M
54%46%13
$5M+
94%6%17